Extended Reality Methods and Systems for Obtaining Estate Data

ABSTRACT

A computer-implemented method includes obtaining one or more extended reality (XR) preferences for a person, generating an XR environment in accordance with at least one of the one or more XR preferences, providing, in the XR environment using an XR device associated with the person, one or more user interfaces, receiving, from the person via the one or more user interfaces in the XR environment, asset data, generating estate data for the person that includes the asset data, and presenting, in the XR environment using the XR device, one or more visual depictions of the estate data such that the person can at least one of view, modify, or approve the estate data.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims the benefit of: (1) U.S. Provisional PatentApplication No. 63/311,591, entitled “Virtual Headset Applications &Personalized Virtual User Experiences” and filed on Feb. 18, 2022; (2)U.S. Provisional Patent Application No. 63/318,325, entitled “ExtendedReality Methods and Systems for Processing Vehicle-Related Information”and filed on Mar. 9, 2022; (3) U.S. Provisional Patent Application No.63/320,270, entitled “Extended Reality Methods and Systems for Obtainingand Handling Estate Data,” and filed on Mar. 16, 2022; and (4) U.S.Provisional Patent Application No. 63/320,297, entitled “ExtendedReality Methods and Systems for Collecting, Managing, and UsingHome-Related Information,” and filed on Mar. 16, 2022. The disclosure ofeach of the above-identified patent applications is hereby incorporatedherein by reference in its entirety.

FIELD

The present disclosure generally relates to extended reality (XR), and,more particularly, (i) to creating preferred or personalized virtualuser experiences, and/or (ii) to XR methods and systems for obtainingand handling estate data.

BACKGROUND

In commercial settings, conventional approaches to customer interactions(e.g., for collecting customer information and/or providing informationto customers) have various drawbacks, such as inefficient or ineffectiverelaying of information, as well as an inability to collect completeand/or accurate datasets. The present embodiments may overcome theseand/or other deficiencies.

BRIEF SUMMARY

Present embodiments include XR systems, XR devices, XR methods, and XRenvironments for obtaining and handling estate data. In someembodiments, the XR systems may include augmented reality (AR) systems,virtual reality (VR) systems, mixed reality (MR) systems, and/or smartglasses or smart contacts. The XR systems may be configured to generate,and provide or present personalized XR environments. Taken together,disclosed XR systems, XR devices, XR methods, and XR environments worktogether to provide a person with personalized XR experiences that theymay use to provide or handle estate data.

In one aspect, a computer-implemented method may include: (1) obtainingone or more extended reality (XR) preferences for a person; (2)generating, using one or more processors, an XR environment inaccordance with at least one of the one or more XR preferences; (3)providing, in the XR environment using an XR device associated with theperson, one or more user interfaces; (4) receiving, from the person viathe one or more user interfaces in the XR environment, asset data; (5)generating, using one or more processors, estate data for the personthat includes the asset data; and/or (6) presenting, in the XRenvironment using the XR device, one or more visual depictions of theestate data such that the person can at least one of view, modify, orapprove the estate data.

In another aspect, a system includes a communication interface, and oneor more processors configured to: (1) obtain one or more extendedreality (XR) preferences for a person; (2) generate, using one or moreprocessors, an XR environment in accordance with at least one of the oneor more XR preferences; (3) provide, in the XR environment using an XRdevice associated with the person via the communication interface, oneor more user interfaces; (4) receive, from the person via the one ormore user interfaces in the XR environment and communication interface,asset data; (5) generate, using one or more processors, estate data forthe person that includes the asset data; and/or (6) present, in the XRenvironment using the XR device via the communication interface, one ormore visual depictions of the estate data such that the person can atleast one of view, modify, or approve the estate data.

In another aspect, a non-transitory computer-readable storage mediumstores instructions that, when executed by one or more processors, maycause a system to: (1) obtain one or more extended reality (XR)preferences for a person; (2) generate, using one or more processors, anXR environment in accordance with at least one of the one or more XRpreferences; (3) provide, in the XR environment using an XR deviceassociated with the person, one or more user interfaces; (4) receive,from the person via the one or more user interfaces in the XRenvironment, asset data; (5) generate, using one or more processors,estate data for the person that includes the asset data; and/or (6)present, in the XR environment using the XR device, one or more visualdepictions of the estate data such that the person can at least one ofview, modify, or approve the estate data.

Advantages will become more apparent to those skilled in the art fromthe following description of the preferred embodiments, which have beenshown and described by way of illustration. As will be realized, thepresent embodiments may be capable of other and different embodiments,and their details are capable of modification in various respects.Accordingly, the drawings and description are to be regarded asillustrative in nature and not as restrictive.

BRIEF DESCRIPTION OF THE DRAWINGS

The Figures described below depict various aspects of exemplary XRsystems, XR devices, XR environments, and XR methods disclosed therein.It should be understood that each Figure depicts embodiments ofparticular aspects of the disclosed XR systems, XR devices, XRenvironments, and XR methods, and that each of the Figures is intendedto accord with one or more possible embodiments thereof. Alternativeembodiments of the XR systems, XR devices, XR environments, and XRmethods illustrated herein may be employed without departing from theprinciples of the invention described herein.

There are shown in the drawings arrangements which are presentlydiscussed, it being understood, however, that the present embodimentsare not limited to the precise arrangements and instrumentalities shown,wherein:

FIG. 1 is a schematic diagram of an exemplary XR system for obtainingand handling estate data, in accordance with various embodiments of thepresent disclosure;

FIG. 2 illustrates an exemplary preferences input user interface forobtaining and/or providing preferences using XR;

FIG. 3 illustrates an exemplary preferences input user interface forobtaining and/or providing preferences using XR;

FIG. 4 illustrates an exemplary estate data user interface for obtainingand/or providing estate data using XR;

FIG. 5 illustrates an exemplary asset record user interface forobtaining and/or providing asset data using XR;

FIG. 6 illustrates an exemplary estate disposition user interface fordisposing of estate assets using XR;

FIG. 7 illustrates an exemplary asset disposition user interface fordisposing of an estate asset using XR;

FIG. 8 is a flowchart for an exemplary computer-implemented method forobtaining or receiving estate data using XR;

FIG. 9 is a flowchart for an exemplary computer-implemented method forobtaining or receiving, and/or providing, instructions related todisposing estate assets using XR;

FIG. 10 illustrates an exemplary virtual meeting of a first person witha second person from the perspective of the first person;

FIG. 11 illustrates the exemplary virtual meeting of FIG. 10 from theperspective of the second person;

FIG. 12 is a block diagram of an exemplary processing platform forimplementing example methods and operations described herein;

FIG. 13 illustrates an exemplary computer-implemented method utilizing apersonalized virtual user experience to dispose of assets identified ina life insurance policy, will, or trust;

FIG. 14 illustrates another computer-implemented method utilizing apersonalized virtual user experience to dispose of assets identified ina life insurance policy, will, or trust;

FIG. 15 illustrates an exemplary computer-implemented method of autoinsurance and homeowners insurance virtual user experience applications;and

FIG. 16 illustrates another computer-implemented method of autoinsurance and homeowners insurance virtual user experience applications.

Skilled artisans will appreciate that elements in the Figures areillustrated for simplicity and clarity, and have not necessarily beendrawn to scale. For example, the dimensions of some of the elements inthe Figures may be exaggerated relative to other elements to help toimprove understanding. Moreover, apparatus and method components havebeen represented where appropriate by conventional symbols in theFigures, showing only those specific details that are pertinent tounderstanding the embodiments of the present disclosure so as not toobscure the present disclosure with details that will be readilyapparent to those of ordinary skill in the art having the benefit of thedescription herein. Further, wherever possible, the followingdescription refers to the reference numerals included in the followingFigures, in which features depicted in multiple Figures are designatedwith consistent reference numerals.

DETAILED DESCRIPTION

The present embodiments relate, inter alia, to XR systems, XR devices,personalized XR environments (i.e., virtualized environments), methods,and/or user interfaces for (i) obtaining and/or providing personal dataand/or XR preferences; (ii) generating XR environments in accordancewith the XR preferences; (iii) obtaining and/or providing estate datarelated a person's assets using XR environments; and/or (iv) presentingand receiving selections of asset disposal options, and accordinglydisposing of their assets upon death of the person using XRenvironments.

As used herein, the term “estate data” will refer to any number and/ortype(s) of data or information that collectively represent, wholly orpartially, one or more legal, financial, and/or other descriptiveaspects of a person's estate. Estate data may include asset dataassociated with, and/or representing, assets of the estate. Estate datamay also include legal documents, such as will, trusts, contracts,agreements, deeds, etc., that represent how one or more assets of theestate are to be disposed of, legally or financially, upon the death ofthe person. However, estate data may include any number and/or type(s)of other applicable data, information, documents, etc. Typically, theperson plans for their eventual death by providing information and datathat may be used to form, define, or generate the estate datarepresenting their estate.

As used herein, the term “estate asset,” or simply “asset,” refers toany number and/or type(s) of tangible and/or intangible assets thatbelonged to a person while alive, and form or will form part of theperson's estate upon their death. Example estate assets include, but arenot limited to, (i) an insurance policy of any kind (e.g., life,disability, health, home, automobile, personal articles, business,etc.); (ii) a bank account; (iii) an investment account; (iv) a savingsaccount; (v) a checking account; (vi) a belonging of any kind (e.g.,household belongings, computing devices, clothing, jewelry, cars, boats,recreational vehicles, homes, apartments, condominiums, townhomes,property, etc.); (vii) a pension; (viii) social-security or othergovernment benefits; (ix) a retirement savings account; (x) a business;(xi) a stake in a business; (xii) an investment; (xiii) an annuity;(xiv) a property of any kind; (xv) a debt or obligation owed to theperson; and/or (xvi) a death benefit. In some instances, an estate assetmay, wholly or partially, be owned by, or belong to, another person,such that the asset doesn't become fully disposable under the estateunless, or until, the other person is also deceased. For example, a bankaccount may be jointly held by a husband and wife, and only bedisposable when the last of them dies.

As used herein, the term “asset data” will refer to any number and/ortype(s) of data or information that, wholly or partially, collectivelyrepresent an estate asset. In general, asset data may represent themetes and bounds of an estate asset. Asset data may be used to determinewhat is owned, under what conditions or obligations the asset is owned,a value of the asset, what the asset represents, obligations associatedwith the asset, conditions attached to the asset, how and/or when theasset is to be disposed, etc. Exemplary asset data for an estate assetmay include, but is not limited to, images or videos, descriptions,financial statements, agreements, contracts, account information,documents, or beneficiary information.

As is commonly known and as used herein, XR refers to the use of anyvirtual environment, or mixed real-and-virtual environment, wherein atleast a portion of human-to-machine or human-to-human interactions aregenerated using XR technology and/or XR devices. An XR environment mayinclude one or more of augmented reality (AR), mixed reality (MR),virtual reality (VR), or combinations thereof. An XR environment mayinclude one or more visual environments or components, possibly with anaudio component (e.g., spoken words of another person or a voice bot) ora text component as well. VR may refer to an immersive user experience,where the user can experience the sensation of a three-dimensional (3D)environment without real-world elements/images. AR may refer to anannotation, overlay, or augmentation of text or media content, such asgraphics content, onto real-world content, such as images or videos of areal-world scene, or onto a direct visual impression of the real world,such as may be seen through the transparent glass or plastic portion ofsmart glasses. MR may refer to an annotation, overlay, augmentation, ormixing of synthetic content, such as computer generated graphics,virtual scenery, virtual images, or other mixed reality content withreal-world content. In various embodiments, XR environments disclosedherein may be parts of a network of three-dimensional (3D) virtualworlds, such as a metaverse.

An XR device may generally be any computing device capable ofvisualizing and presenting virtual content in conjunction with, orseparate from, real-world content to generate a partial or whollyvirtual environment or experience for a user. Exemplary XR devicesinclude a wearable AR headset or smart glasses, a wearable MR headset orsmart glasses, a wearable VR headset or smart glasses, smart glasses,smart contacts, smart displays or screens, a mobile device, a tablet, adevice having a speaker and microphone, or a device having a text-basedinterface. An XR device may include one or more input controls, such asone or more physical buttons located on the XR device itself, or one ormore physical buttons located on handheld controllers or devices worn ona hand, foot, or other body part (i.e., “worn devices”) used inconjunction with the XR device.

Handheld controllers or worn devices may include one or more inertia,orientation or position sensors to sense movements, gestures, positions,orientations, etc. of a wearer or user, or a body part of the wearer oruser. For example, handheld controllers or worn devices may be used tovirtually (e.g., using gestures) point at, select, activate, orotherwise interact with one or more elements of a UI provided orpresented within a virtual environment via an XR device. Input may alsobe provided using physical touchscreen inputs on screens of the XRdevice (e.g., a screen of a smart phone or personal computer), or usinga computing device (e.g., a smart phone or personal computer) associatedwith the XR device.

An XR device may also include audio or text input devices configured toenable a real, or XR environment to include text-based interactions(e.g., virtual user interfaces within the virtual environment forselecting or otherwise entering text, and/or for presenting text), oraudio (e.g., one or more speakers and one or more microphones of the XRdevice, to support spoken interactions). The audio and text inputdevices may also be configured to enable a wearer or user to interactwith, respectively, a voice bot or a chatbot, for example. The audio andtext input devices may also be used to generally control the XR deviceitself.

In some embodiments, an XR device and its input controls may be used tophysically or virtual write text (e.g., using virtual gestures), typetext (e.g., using a virtual or physical keyboard), and speak text.

In some embodiments, described XR devices may be any commercial XRdevice, such as a Google Glass® device, a Google Cardboard® device, aGoogle Daydream® device, a Microsoft Hololens® device, a Magic Leap®device, an Oculus® device, an Oculus Rift® device, a Gear VR® device, aPlayStation® VR device, or an HTC Vive® device, to name a few. Ingeneral, each of these example XR devices may use one or more processorsor graphic processing units (GPUs) capable of visualizing multimediacontent in a partial or wholly virtual environment.

For example, a Google Cardboard VR device includes a VR headset thatuses one or more processors or GPUs of an embedded smart phone, such asa smart phone, which, in some embodiments, may be a Google Android-basedor Apple iOS-based smart phone, or other similar computing device, tovisualize multimedia content in a virtual environment. Other XR devices,such as the Oculus Rift VR device, may include a VR headset that usesone or more processors or GPUs of an associated computing device, such apersonal computer/laptop, for visualizing multimedia images in an XRenvironment. The personal computer/laptop may include one or moreprocessors, one or more GPUs, one or more computer memories, andsoftware or computer instructions for performing the visualizations,annotations, or presentation of multimedia content or VR environments asdescribed herein. Still further, XR devices may include one or moreprocessors or GPUs as part of an XR device may operate independentlyfrom the processor(s) of a different computing device for the purpose ofvisualizing multimedia content in a virtual environment.

While embodiments are described herein with reference to exemplary XRtechnologies and exemplary XR devices, persons of ordinary skill in theart will recognize that disclosed embodiments may be implemented usingany combination of past, current, or future XR technologies and/or XRdevices. Moreover, for readability, “using XR,” “with XR,” or similarphrases may be used herein as shorthand for more unwieldy phrases, suchas “using one or more XR devices, XR technologies, or XR environments,”or similar phrases.

Unless expressly stated to the contrary, “or” refers to an inclusive orand not to an exclusive or. For example, “A, B, or C” refers to anycombination or subset of A, B, C such as (1) A alone, (2) B alone, (3) Calone, (4) A with B, (5) A with C, (6) B with C, and (7) A with B andwith C.

Reference will now be made in detail to non-limiting embodiments, someof which are illustrated in the accompanying drawings.

Exemplary Extended Reality (XR) System

FIG. 1 is a schematic diagram of an exemplary XR system 100, inaccordance with various embodiments of the present disclosure. Invarious embodiments, the exemplary XR system 100 may provide, using oneor more XR devices 102 and/or one or more XR technologies, one or moreXR environment(s) 104 (i.e., virtualized environments) to a person 106.The XR environment(s) 104 may enable the person 106 to collect, provide,manage, use, or otherwise handle estate data 108 for their estate whilethey are alive

In various embodiments, one or more servers 110 may obtain estate data108 by generating, and providing or presenting the XR environment(s) 104that the person 106 may use to virtually collect, provide, manage, use,or otherwise handle their estate data 108. The XR environment(s) 104 maybe provided or presented by, or using, the XR device(s) 102 associatedwith, used by, worn by, etc. the person 106. Exemplary XR devices 102include, but are not limited to, a mobile or smart phone 112, a tablet,AR smart glasses 114, a VR headset 116, and a personal computer/laptop118, to name some. In some embodiments, the person 106 may,alternatively and/or additionally, use non-XR devices (not shown forclarity of illustration) to collect, provide, manage, use, or otherwisehandle their estate data 108 without using XR.

The XR environment(s) 104 may be provided or presented using the VRheadset 116 such that the person 106 has a substantially immersive userexperience in the XR environment(s) 104, where the person 106 canexperience the sensation(s) of a 3D virtual environment withoutreal-world elements/images. Additionally and/or alternatively, the XRenvironment(s) 104 may be provided or presented using the AR smartglasses 114 such that the XR environment(s) 104 includes text, mediacontent, or graphics content overlaid onto real-world content, such asimages or videos of a real-world scene, or onto a direct visualimpression of the real world, such as may be seen through thetransparent glass or plastic portion of the smart glasses 114 whileexperiencing the XR environment(s) 104.

Extended Reality (XR) Devices

In some embodiments, the person 106 may use XR via their XR device(s)102 to virtually interact, wholly or partially, with the server(s) 110to collect, provide, manage, use, or otherwise handle estate data 108,as described. For example, the person 106 may use one or more inputcontrols of the XR device(s) 102 to input data, or select options frommenus, lists, selectable graphics, or other items as displayed on a userinterface screen of the XR device(s) 102 to virtually collect, provide,manage, use, or otherwise handle estate data 108. The person 106 mayalso use the input controls to provide commands to the XR device(s) 102to control the XR device(s) 102. In some embodiments, the person 106 mayuse the input controls of an XR device to write, type, or speak text orother content, or commands.

The XR device(s) 102 may also include one or more output devices, suchas one or more displays or speakers that allow the XR device(s) 102 todisplay or present virtual computer-generated content associated with anXR environment. Exemplary generated content includes visual content,audible content, or combinations thereof. Exemplary generated contentrepresents one or more visual depictions of the estate data 108. In someembodiments, at least one of the one or more XR environment(s) 104includes the generated content. In some examples, the XR device(s) 102only present virtual content, such that the person 106 may be fullyimmersed in an XR environment. Additionally and/or alternatively, the XRdevice(s) 102 may present or display the virtual content on top of,alongside, or otherwise in combination with real-world content such thatthe person 106 may be only partially immersed in an XR environment. Insome embodiments, an exemplary XR environment causes the one or moreoutput devices to provide or present instructions, questions, prompts,etc. to direct the person 106 to make a selection, provide an input,etc.

Obtaining Estate Data

In some embodiments, the server(s) 110 may obtain the estate data 108 bypresenting or providing one or more user interfaces (UIs) 120 in the oneor more XR environment(s) 104 provided or presented on, or using, theperson's XR device(s) 102. The UIs 120 may include one or more inputelements, usable by the person 106, to collect, provide, manage, use, orotherwise handle their estate data 108.

In some embodiments, the person 106 may, while alive, virtually operatethe one or more input elements to select, enter, or otherwise provideestate data 108. For example, the person 106 may operate the one or moreinput elements to select, enter, or otherwise provide (i) asset datarelated to assets of their estate; (ii) insurance policy details; (iii)beneficiary data related to who owns their assets upon their death; (iv)executor data related to who controls their assets upon their death;and/or (v) documents, such as will, trusts, contracts, agreements,deeds, etc., that represent how one or more assets of their estate areto be disposed of, legally or financially, upon the death of the person106. However, the estate data 108 may include any number and/or type(s)of other applicable data, information, documents, etc.

In some embodiments, the person 106 may virtually operate the one ormore input elements using one or more of virtual gestures, spoken words,virtual or physical keyboards, virtual handwriting, etc. For example,virtual gestures may be used to activate input elements or portions ofthe UIs 120, make selections, check and un-check check boxes, movebetween portions of the UIs 120, write words, type words, select andupload documents, capture and upload images of documents or assets, etc.Spoken, written, and/or typed text or content may be used to enterinformation into text boxes, for example. Additionally and/oralternatively, spoken, written, and/or typed text or commands may, likevirtual gestures, be used to activate input elements or portions of theUIs 120, make selections, check and un-check check boxes, move betweenportions of the UIs 120, write words, type words, select and uploaddocuments, capture and upload images of documents or assets, etc.

In some embodiments, the server(s) 110 may use optical characterrecognition (OCR), speech/text recognition, and/or natural languageprocessing (NLP) to convert spoken, written, or typed text intodigitized asset data or estate data 108. Additionally and/oralternatively, the server(s) 110 may use OCR, speech/text recognition,and/or NLP to convert content of uploaded documents or images into assetdata or digital estate data 108. For example, the server(s) 110 mayprocess (i) insurance documents (e.g., containing insurance policyterms, declarations, riders, conditions, etc.) to extract insurancepolicy information, beneficiary information, and/or asset data, (ii)bank or investment statements to extract account information, etc. Insuch examples, the server(s) 110 may guide or prompt the person 106 forfurther details that the server(s) 110 were not able to automaticallydetermine from spoken, written, or typed text, and/or the documents orimages.

In some embodiments, the server(s) 110 may guide the person 106 (e.g.,by asking a sequence of questions, or presenting or providing a sequenceof prompts) to assist in the identification of potential assets, theproviding of asset data, and/or the providing of documents, or theproviding of other data or information related to their estate.Additionally and/or alternatively, the person 106 may autonomouslyoperate input elements of provided or presented UIs 120.

In some embodiments, an XR environment, such as the XR environment(s)104 and/or the UIs 120, may be presented or provided, and used byanother person who is authorized by the person 106 to select, enter, orotherwise provide estate data 108 on behalf of the person 106. Such aperson may be a representative 122, such as a trustee, lawyer,accountant, financial planner, spouse, family member, insurance agent,estate planner, etc. The representative 122 may also be a person who mayguide or assist the person 106 in the selection, entering, or otherwiseproviding of estate data 108.

In some embodiments, the representative 122 may use XR via their XRdevice(s) 124 to virtually interact, wholly or partially, with theserver(s) 110 to collect, provide, manage, use, or otherwise handleestate data 108, as described above in connection with the person 106.For example, the representative 122 may use one or more input controlsof the XR device(s) 124 to input data, type, write or speak text orcontent, or select options from menus, lists, selectable graphics, orother items as displayed on a user interface screen of the XR device(s)124 to (i) collect, provide, manage, use, or otherwise handle estatedata 108; (ii) review disposition options for assets, and selectdisposition options; and/or (iii) guide or assist the person 106. Asdescribed below, the representative 122 may, as described below andafter the person 106 dies, also use the input controls to assist aperson 132 with (i) viewing estate data 108; (ii) reviewing disposaloptions for assets; (iii) selecting disposal options; and/or (iv)disposing of assets. The input controls may also allow therepresentative 122 to provide commands to the XR device(s) 124 togenerally control the XR device(s) 124.

The XR device(s) 124 may also include one or more output devices, suchas one or more displays or speakers that allow the XR device(s) 124 todisplay or present virtual computer-generated content associated with anXR environment. Exemplary generated content includes visual content,audible content, or combinations thereof. Exemplary generated contentrepresents one or more visual depictions of the estate data 108 and/ordisposal options. In some embodiments, at least one of the one or moreXR environment(s) 104 includes the generated content. In some examples,the XR device(s) 124 may only display or present virtual content, suchthat the representative 122 may be fully immersed in an XR environment.Additionally and/or alternatively, the XR device(s) 124 may display orpresent virtual content on top of, alongside, or otherwise incombination with real-world content, such that the representative 122may be only partially immersed in an XR environment. In someembodiments, an exemplary XR environment causes the one or more outputdevices to provide or present instructions, questions, prompts, etc. todirect the representative 122 to make a selection, provide an input,etc.

In various embodiments, at least one of the XR environment(s) 104includes a virtual meeting of the person 106 and another person, such asthe representative 122. In some embodiments, the virtual meeting mayoccur in a virtual office or meeting space that mimics a liveperson-to-person meeting that may occur in a physical office or meetingspace. For instance, the virtual meeting may take place in a metaverseroom, location, scene, etc., for example, in accordance with one or moreXR or metaverse preferences of the person 106.

In some embodiments, the virtual meeting may include a collaborative XRenvironment that the person 106 and the other person may use tovirtually and collaboratively select, enter, or otherwise provide theestate data 108. The virtual meeting may include respective XRenvironments for the person 106 and the other person such that they aretogether virtually as they meet via respective XR device(s). In someembodiments, the person 106 and the other person are represented in thevirtual meeting by respective avatars, or other representations.However, in some examples, the avatar may not be associated with anactual person, such that the person 106 may instead interact with anavatar representing a computer-generated persona of acomputer-generated, virtual representative (e.g., an avatar for a voicebot or chatbot).

In some embodiments, the server(s) 110 may authenticate the person 106before the person 106 may access the estate data 108 and/or, moregenerally, an account belonging to the person 106 provided by theserver(s) 110. For example, the person 106 may be required to provide auser name and password, a finger print, or other authenticatinginformation. In some embodiments, two-step authentication may also beused.

The server(s) 110 may obtain preference data 126 (e.g., personal dataand/or XR preferences for the person 106), and customize, personalize,or configure the XR environment(s) 104 and/or a virtual meeting basedupon, or according to, the preference data 126. Exemplary personal dataincludes one or more of notification preferences (e.g., phone vs. textvs. email), username, password, telephone number(s), social media data,financial account data, insurance policy(-ies), insured homes,properties, items, objects, assets, etc. Exemplary XR preferencesincludes one or more of any preferences related to XR or metaverseexperiences and interactions including, for example, virtual interactionpreferences (e.g., prefer to use VR over AR, only use AR, preferredavatar, a metaverse preference, a preferred metaverse scene, a preferredavatar, a metaverse identifier, a preferred XR device, a preferred XRdevice type, an XR identifier, preferred metaverse or other setting fora virtual meeting, etc.), type(s) of or identifier(s) for the person'sXR device(s), willingness to hold virtual meetings (rather thanreal-world meetings) with a representative 122, where or how the person106 prefers to meet (e.g., virtual home or virtual office in ametaverse, with the representative's avatar in person's actual home orplace of business using AR, or in another setting such as outdoors, atthe beach, in the woods, during a stroll, etc.), preferred time(s) ordays-of-week to meet, etc.

In some embodiments, the server(s) 110 may notify or invite the person106 to XR environment(s) 104 and/or virtual meetings according to theperson's notification preferences. For example, the server(s) 110 maysend to the person 106 a text notification with a link to initiate an XRenvironment 104 or a virtual meeting. In some embodiments, thenotification or invitation for a virtual meeting may correspond to ascheduled time for the virtual meeting, such as when two actual personswill participate in the virtual meeting. However, some notifications orinvitations may be activated at any day or time, such as when the person106 will be the only actual person in a virtual meeting. In someembodiments, the server(s) 110 may collect the insured person's personaldata 126 when the person 106 interacts with the server(s) 110 to providethe estate data 108 using XR. Additionally and/or alternatively, thepersonal data 126 may be provided to the server(s) 110 when the person106 responds to a notification for, or an invitation to, an XRenvironment 104 and/or a virtual meeting.

In some embodiments, the server(s) 110 may access any number and/ortype(s) of databases or data sources 128 to obtain estate data 108. Forexample, the person 106 may provide credentials and authorization suchthat the server(s) 110 may access a bank's servers to obtain accountinformation and/or information regarding the person's accounts at thebank. For example, the person 106 may provide credentials andauthorization such that the server(s) 110 may access a governmentdatabase to obtain information regarding the person's social security orother government benefits. For example, the server(s) 110 may accessdatabases holding product information, stock information, etc. todetermine past or current values of financial assets or belongings. Insuch examples, the server(s) 110 may guide or prompt the person 106 forfurther details related to assets when the server(s) 110 was not able toautomatically determine, either from uploaded documents and/or from dataobtained from the data sources 128.

The server(s) 110 may, as described above in connection with the person106, obtain preference data (e.g., personal data and/or XR preferences)for the representative 122, and customize, personalize, and configure XRenvironments and/or virtual meetings for the representative 122 basedupon, or according to, their personal data. The server(s) 110 may, asalso described above, provide notifications and/or invitations for XRenvironment(s) and/or virtual meetings to the representative 122.

In certain embodiments, the server(s) 110 may cause estate data 108 tobe stored on a distributed ledger, such as a blockchain, for remoteviewing and/or to facilitate subrogation, claim processing, disputeresolution, etc. In some embodiments, the server(s) 110 may cause theestate data 108 to be stored on the distributed ledger by sending theestate data 108 to one or more nodes of a plurality of nodes maintainingthe distributed ledger. In response and on behalf of the server(s) 110,the one or more nodes may attempt to form a cryptographic consensus asto how the estate data 108 is to be integrated into the distributedledger, and, if consensus is obtained, provide the estate data 108 tothe plurality of nodes such that each node may add the estate data 108to respective copies of the distributed ledger. Additionally and/oralternatively, the server(s) 110 may be one of the nodes maintaining adistributed ledger, and may work directly with the other nodes to form acryptographic consensus for the estate data 108 and, when consensus isobtained, cause the other nodes to store the estate data 108 onrespective copies of the distributed ledger.

Disposal of Assets

In various embodiments, the server(s) 110 may dispose of assets bygenerating, and providing or presenting one or more XR environment(s)130 (i.e., virtualized environments) that a person 132 may use tovirtually view the estate data 108, review disposal options for assets,select disposal options, and/or dispose of assets. The XR environment(s)130 may be provided or presented by, or using, one or more XR devices134 associated with, used by, worn by, etc. the person 132. Example XRdevices 134 include, but are not limited to, a mobile or smart phone136, a tablet, AR smart glasses 138, a VR headset 140, smart contacts,and a personal computer/laptop 142, to name some. In some embodiments,the person 132 may also use non-XR devices (not shown for clarity ofillustration) to, without using XR, view one or more portions of theestate data 108, review disposal options for assets, select disposaloptions, and dispose of assets.

In certain examples, the person 132 may also be, legally and/orfinancially, and/or wholly or partially, responsible for disposing ofone or more assets. For instance, the person 132 may be a beneficiary,an executor of the state, a trustee, a lawyer, an accountant, afinancial planner, a spouse, an insurance agent, an estate planner, etc.

In some embodiments, the person 132 may use XR via their XR device(s)134 to virtually interact, wholly or partially, with the server(s) 110to handle disposition of estate assets. For example, the person 106 mayuse one or more input controls of the XR device(s) 134 to input data,write, type or speak text or content, or select options from menus,lists, selectable graphics, or other items as displayed on a userinterface screen of the XR device(s) 134 to dispose of estate assets.The input controls may also allow the person 132 to provide commands tothe XR device(s) 134 to generally control the XR device(s) 134.

The XR device(s) 134 may also include one or more output devices, suchas one or more displays or speakers that allow the XR device(s) 134 todisplay or present virtual computer-generated content associated with anXR environment. Exemplary generated content may include visual content,audible content, or combinations thereof. Exemplary generated contentmay represent one or more visual depictions of asset data, the estatedata 108, and asset disposition options. In some embodiments, one ormore XR environment(s) 130 provided or presented on the XR device(s) 134includes the generated content. In some examples, only virtual contentis provided or presented by an XR device(s) 134 such that the person 132is fully immersed in an XR environment.

Additionally and/or alternatively, the virtual content may be displayedon top of, alongside, or otherwise in combination with real-worldcontent such that the person 132 is only partially immersed in an XRenvironment. In some embodiments, an exemplary XR environment causes theone or more output devices to provide or present instructions,questions, prompts, etc. to direct the person 132 to make a selection,provide an input, etc.

In some embodiments, the server(s) 110 may authenticate the person 132before granting the person 132 access to estate data 108 for the person106, and/or, more generally, to access an account belonging to theperson 106 and/or an account belonging to the person 132 hosted by theserver(s) 110. For example, the person 132 may be required to provide auser name and password, or a finger print. In some embodiments, two-stepauthentication may also be used. In some embodiments, the server(s) 110may permit the person 132 to view a portion of the estate data 108 thatthe person 132 is authorized to view, and/or to only dispose of assetsthat the person 132 is authorized to dispose.

In some embodiments, the server(s) 110 obtains, from the person 132, adeath certificate for the person 106 before the server(s) 110 allows theperson 132 to access the estate data 108, or dispose of estate assets.In some examples, the person 132 may provide the death certificate tothe server(s) 110 by submitting an electronic copy of the deathcertificate, submitting an image of the death certificate, etc. In someembodiments, the server(s) 110 may authenticate the death certificateusing watermarking or other unique indelible characteristics.Additionally and/or alternatively, the server(s) 110 may automaticallyreceive death notifications from appropriate government agencies, and/orpoll government agencies for death notifications.

For example, the server(s) 110 may dispose of assets by presenting orproviding one or more UIs 144 in the one or more XR environment(s) 130provided or presented on, or using, the person's XR device(s) 134. TheUIs 144 may include one or more input elements, usable by the person132, to use XR to view estate data 108, review disposal options forassets, select disposal options, and dispose of assets. As describedabove, the person 132 may virtually operate (e.g., using virtualgestures, spoken words, virtual or physical keyboards, virtualhandwriting, etc.) the one or more input elements of the UIs 144 to useXR to view one or more portions of the estate data 108, review disposaloptions for assets, select disposal options, and dispose of assets.

In some embodiments, the server(s) 110 may guide the person 132 (e.g.,by asking a sequence of questions, or presenting or providing a sequenceof prompts) to assist in the identification of potential assets, thereview of asset disposal options, or the selection of disposal options.Additionally and/or alternatively, the person 132 may autonomouslyoperate input elements of provided or presented UIs 144.

In some embodiments, the XR environment(s) 130 and/or the UIs 144 mayalso be used by another person, such as the representative 122, who isauthorized by the person 106 and/or the person 132 to view estate data108, review disposal options for assets, select disposal options, anddispose of assets on behalf of the person 132. The representative 122may also be a person who guides or assists the person 132 in (i)reviewing one or more portions of the estate data 108; (ii) reviewingasset disposal options; (iii) selecting disposal options; and/or (iv)executing selected disposal options.

In some embodiments, when asset disposals are selected and/or executed,the server(s) 110 may add corresponding disposal records to the estatedata 108, and corresponding asset records may also be updated in theestate data 108 to reflect that the asset (s) have been disposed of. Incertain embodiments, the server(s) 110 may cause the updated estate data108 (e.g., with the disposal records and updated asset records) to bestored on a distributed ledger, such as a blockchain, for remote viewingand/or to facilitate subrogation, claim processing, dispute resolution,etc. In some embodiments, the server(s) 110 may cause the updated estatedata 108 to be stored on the distributed ledger by sending the updatedestate data 108 to one or more nodes of a plurality of nodes maintainingthe distributed ledger.

In response and on behalf of the server(s) 110, the one or more nodesmay attempt to form a cryptographic consensus as to how the updatedestate data 108 is to be integrated into the distributed ledger, and, ifconsensus is obtained, provide the updated estate data 108 to theplurality of nodes such that each node may add the updated estate data108 to respective copies of the distributed ledger. Additionally and/oralternatively, the server(s) 110 may be one of the nodes maintaining thedistributed ledger, and may work directly with the other nodes to form acryptographic consensus for the updated estate data 108 and, whenconsensus is obtained, cause the other nodes to store the updated estatedata 108 on respective copies of the distributed ledger. Certainembodiments may also use computer vision and/or connected infrastructuredata to resolve disputes associated with damage-causing events.

In various embodiments, at least one of the XR environment(s) 130 mayinclude a virtual meeting of the person 132 and another person, such asthe representative 122. In some embodiments, the virtual meeting mayoccur in a virtual office or meeting space that mimics a realperson-to-person meeting that may occur in a physical office or meetingspace. For instance, the virtual meeting may take place in a metaverseroom, location, scene, etc., for example, in accordance with one or moreXR or metaverse preferences of the person 132.

In some embodiments, the virtual meeting may include a collaborative XRenvironment in which the other person and the person 132 may virtuallyand collaboratively view one or more portions of the estate data 108,review disposal options for assets, select disposal options, and disposeof assets. In certain embodiments, the virtual meeting may includerespective XR environments for the person 132 and the other person suchthat they are together virtually as they meet via respective XRdevice(s). In some embodiments, the person 132 and the other person arerepresented in the virtual meeting by respective avatars, or otherrepresentations. However, in some examples, the avatar may not beassociated with an actual person, such that the person 106 may insteadinteract with an avatar for a computer-generated persona of acomputer-generated, virtual representative, or a voice bot or chatbot.

In some embodiments, the representative 122, or a virtual agent, may,during the virtual meeting, lead the person 132 (e.g., in their capacityas a beneficiary or executor) through wills, trusts, insurancebequeaths, or any other part of the estate data 108 in a metaverse roomor virtual location of the person's choosing (e.g., based upon theirpreference data 146), and may assist the person 132 in the selection ofpayment options or accounts virtually, visually, or audibly.

The server(s) 110 may, as described above in connection with the person106, obtain preference data 146 (e.g., personal data and/or XRpreferences) for the representative 122, and customize, personalize, andconfigure the XR environment(s) 130 and/or virtual meetings for theperson 132 based upon the preference data 146. The server(s) 110 may, asalso described above, provide notifications and/or invitations for theXR environment(s) 130 and/or virtual meetings.

Exemplary Server(s)

In some embodiments, the server(s) 110 may be associated with a company,business, etc. that provides one or more estate services, and the estatedata 108 may be stored in a database hosted by the server(s) 110.Additionally and/or alternatively, the server(s) 110 may provide XRservices and/or XR environments on behalf of other companies, business,etc., and may not store the estate data 108. Instead, in someembodiments, a company that provides estates services may host theestate data 108 and, as necessary, may provide the server(s) 110 secureaccess to the estate data 108. In some embodiments, the estate data 108make be made accessible to other companies, business, etc. such that thepersons 106, 122, and 132 may employ estate-related services from themultiple companies, business, etc. based upon a shared database ofestate data 108.

The estate data 108 may be stored using any number and/or type(s) ofrecords, entries, data structures, etc. on any number and/or type(s) ofnon-transitory computer- or machine-readable storage medium such as acompact disc (CD), a hard drive, a digital versatile disk (DVD), aBlu-ray disk, a cache, a flash memory, a read-only memory (ROM), arandom access memory (RAM), or any other storage device or storage diskassociated with a processor in which information may be stored for anyduration (e.g., for extended time periods, permanently, for briefinstances, for temporarily buffering, and/or for caching).

The servers(s) 110 may include any number(s) and/or type(s) of physicalserver computers or virtual, cloud-based servers, which may operate as aserver farm, and may include one or more processors, one or morecomputer memories, and software or computer instructions for handlingestate data. The server(s) 110 may be local to, or remote from, the XRdevice(s) 102, 124, and 134.

In some embodiments, the XR device(s) 102, 124, and 134 may becommunicatively coupled to the server(s) 110 via any number and/ortype(s) of public and/or private computer networks 148, such as theInternet. In some embodiments, the XR device(s) 102, 124, and 134 accessthe network(s) 148 via any number and/or type(s) of wired or wirelessnetworks (not shown for clarity of illustration). For example, the XRdevice(s) 102, 124, and 134 may be communicatively coupled to thenetwork(s) 148 via any number and/or type(s) of wireless or cellularbase stations 150. The base station(s) 150 may be implemented inaccordance with any number and/or type(s) of communications standardsincluding Global System for Mobile Communications (GSM), Code DivisionMultiple Access (CDMA), Universal Mobile Telecommunications System(UMTS), Long Term Evolution (LTE), 3G, 4G, 5G, or the Institution ofElectrical and Electronics Engineers (IEEE) 802.11x family of standards.Additionally and/or alternatively, the XR device(s) 102, 124, and 134may be communicatively coupled to the network(s) 148 via any numberand/or type(s) of wired interfaces, such as an Ethernet interface, or awired broadband Internet access interface. However, the XR device(s)102, 124, and 134 may be coupled to the server(s) 110 in any other ways,including any type(s) of input/output interfaces, such as a universalserial bus (USB) interface, a near-field communication (NFC) interface,or a Bluetooth® interface.

Exemplary User Interfaces

FIGS. 2-7 illustrate exemplary UIs that may be used by the server(s) 110to obtain or receive data or information, and/or by users to providedata or information, depending on context. For example, the server(s)110 may obtain or receive data or information from a person (e.g., oneof the persons 106, 122, 132) by providing or presenting an XRenvironment (e.g., one of the exemplary XR environments 104, 130) usingan XR device 201 (e.g., one of the exemplary XR devices 102, 124, 134)associated with the person, and/or a UI (e.g., one of the exemplary UIsof FIGS. 2-7 ) in an XR environment, that the person may,correspondingly, use to provide the data or information. A VR headsetworn by a person by present or provide the exemplary UIs in an XRenvironment using the VR headset worn, such that the person may interactvirtually with the server(s) 110 in an immersive experience to providepreference data or information. Additionally and/or alternatively, a UImay be presented or provided in addition to, or overlaid on, real-worldcontent viewable through or via an AR device in an augmented realityfashion, and/or or on an image of real-world content being displayed bythe XR device for the person.

While exemplary visual UIs are shown in FIGS. 2-7 , and described below,it should be understood that audio-based UIs (e.g., using a voice bot)or text-based UIs (e.g., using a chatbot) may, additionally and/oralternatively, be used by the server(s) 110 to obtain or receive data orinformation, and/or by users to provide data or information.

FIG. 2 illustrates an exemplary preferences input UI 202 for obtainingor receiving, and/or providing, preference data (e.g., personal dataand/or XR preferences, etc.) using XR. The UI 202 may include any numberand/or type(s) of interface elements including tabs 206, check boxes208, and/or text entry boxes 210, for example.

The exemplary UI 202 specifically relates to providing and obtaininginformation related to XR preferences, and may be presented or providedwhen a person (e.g., one of the persons 106, 122, 132) virtual taps orselects (e.g., using gestures) an element of another UI (not shown forclarity of illustration) to initiate configuration of XR devices, forexample. In the depicted example, a selected tab 212 enables the personto provide information related to an XR device (e.g., one of the XRdevice(s) 102, 124, 134). In some embodiments, the tab 212 may bevirtually selected (e.g., using gestures) or may be selected by speaking“configure XR devices,” for example. The person may select other tabs212 to similarly provide other types of preference data.

As depicted, the check boxes 208 enable the person to indicate which XRdevice(s) 102, 124, 134 they have. In the example shown, the person hasa VR headset, and a voice bot.

The person may enter text into the text boxes 210 by speaking, typing orwriting words corresponding to the desired content, for example. In thedepicted example, text boxes relate to device identifiers, handheldcontroller identifiers, and handheld controller types. To configure anXR device, the person may check a check box 208 corresponding to aparticular XR device, and enter a device identifier, a handheldcontroller identifier, and a handheld controller type into thecorresponding text boxes 210 by speaking, typing, or writing text, forexample.

FIG. 3 illustrates another exemplary preferences input UI 302 forproviding, and/or obtaining or receiving, preference data (e.g.,personal data and/or XR preferences, etc.) using XR. The UI 302 mayinclude any number and/or type(s) of interface elements including tabs306, check boxes 308, and/or text entry boxes 310, for example. Theperson may select other tabs 306 to similarly provide other types ofpreference data.

The exemplary UI 302 relates to providing information related to apreferred avatar, and may be provided or presented when a user virtualtaps or selects (e.g., using gestures or spoken commands), an element ofanother UI (not shown for clarity of illustration) to initiateconfiguration, for example. In the depicted example, a selected tab 312enables the person to provide information related to a metaverse avatar.In some embodiments, the tab 312 may be virtually selected (e.g., usinggestures or spoken commands) or may be selected by speaking “configuremetaverse,” for example.

As depicted, the check boxes 308 enable the person to select variouscharacteristics (e.g., sex, hair color, glasses, shirt color, and shirtsleeve length) of their metaverse avatar. In the example shown, theavatar is to be male, have blond hair, wear glasses, and wear a blueshort sleeved shirt.

The person may enter text into the text boxes 310 by speaking, typing orwriting words corresponding to the desired content, for example. In thedepicted example, text boxes relate to the avatar's name, a uniquemetaverse identifier for the person, and a preferred metaverse scene. Apreferred metaverse scene may represent a particular virtual scene inwhich the person wants to, such as a bench overlooking an ocean, at acoffee shop, etc.

While exemplary preference input UIs 202 and 302 are shown in FIGS. 2and 3 , it should be understood that UIs useful for providing and/orobtaining or receiver preference data may be constructed using anynumber and/or type(s) of additional and/or alternative user and/or inputelements, arranged in any number and/or type(s) of other ways and beuseful for providing any number and/or type(s) of preference data.

FIG. 4 illustrates an exemplary estate data UI 402 for obtaining orreceiving, and/or providing, estate data (e.g., such as the estate data108) using XR. The headset 201 worn by a person may present or providethe UI 402 in an XR environment provided or presented using the XRheadset 201 worn by a person (e.g., the person 106). The person may, viathe estate data UI 402 to interact virtually with the server(s) 110using XR to provide estate data. Additionally and/or alternatively, theUI 402 may be presented or provided in addition to, or overlaid on,real-world content viewable through a lens of the smart glasses in anaugmented reality fashion, and/or or on an image being displayed on thelens. Other embodiments may involve the use of smart contact lenses orretinal implants, such as to display the estate data in an XR or ARformat or manner.

The exemplary UI 402 includes a plurality of display boxes 406displaying personal data for the person 106, such as their name, socialsecurity number, and date of birth. However, alternative and/oradditional data may be shown. In some embodiments, the person 106 cannotchange the data displayed in the boxes 406.

The exemplary UI 402 also displays a table of estate data 408 thatincludes a plurality of rows 410 corresponding to respective assetrecords for respective estate assets. Each row 410 includes a graphic412 representing asset type, and a plurality of fields 414 displayingdifferent pieces of data of the asset record for the estate assetassociated with the row. Example data may include (i) who holds theasset (e.g., bank, insurance company, etc.); (ii) an identifierassociated with the asset, if applicable (e.g., account number, policynumber, etc.); (iii) a description of asset; (iv) associatedbeneficiaries; etc.

As shown, the UI 402 may consist of multiple pages of estate data 408,and the person may use navigation UI elements 416 and 418 to movebetween pages.

In some embodiments, the person may review or modify the asset recordfor an asset by, for example, virtually clicking (e.g., using gesturesor spoken commands) on a corresponding graphic 412. Clicking on thegraphic 412 for an asset may, for example, cause the exemplary assetdata UI 502 of FIG. 5 to be presented or provided. Additionally and/oralternatively, the person may select asset records for review ormodification by checking respective ones of checkboxes 420, andvirtually activating (e.g., using gestures or spoken commands) a UIelement 422.

In some embodiments, the UI 402 may include a UI element 424 that may bevirtually activated (e.g., using gestures or spoken commands) to deleteselected assets, and a UI element 426 that may be virtually activated(e.g., using gestures or spoken commands) to create a new asset recordfor editing.

FIG. 5 illustrates an exemplary asset record UI 502 for obtaining orreceiving, and/or providing, asset data for an asset record using XR.The headset 201 worn by a person (e.g., one of the persons 106, 122,132) may present or provide the UI 502 in an XR environment presented orprovided using the XR headset 201. The person may use the asset recordUI 502 to interact virtually with the server(s) 110 using XR to provideasset data. In the example shown, the UI 502 is overlaid on the UI 402.However, it may be shown separately and/or differently. The exemplary UI502 may be activated when, for example, a graphic 412 is virtuallyactivated (e.g., using gestures or spoken commands). The UI 502 mayinclude any number and/or type(s) of interface elements including tabs504, and selectable elements 506, for example.

The exemplary UI 502 relates to providing data for an asset record. Inthe depicted example, a selected tab 508 enables the person to virtualselect (e.g., using gestures or spoken commands) an asset type (e.g.,document, bank account, insurance policy, employee benefit, etc.) forthe asset record by virtually selecting (e.g., using gestures or spokencommands) one of the selectable elements 506. The person may selectother tabs 504 to provide other asset data for the asset record.

FIG. 6 illustrates an exemplary estate disposition UI 602 for obtainingor receiving, and/or providing, instructions related to disposing estateassets using XR. The headset 201 worn by a person (e.g., one of thepersons 122, 132) may present or provide the UI 602 in an XR environmentusing the headset 201, such that the person may interact virtually withthe server(s) 110 using XR to dispose of estate asset.

The exemplary UI 602 is similar to UI 402 of FIG. 4 , and like elementsin FIGS. 4 and 6 are designated with like reference numerals. Thedescription of like elements will not be repeated here. Instead, theinterested reader is referred to the descriptions of like elementsprovided in connection with FIG. 4 .

The exemplary UI 602 includes a plurality of display boxes 604displaying personal data for the person that is disposing assets (e.g.,an executor or beneficiary), such as name, social security number, anddate of birth. However, alternative and/or additional data may be shown.In some embodiments, the person cannot change data displayed in theboxes 604.

The exemplary UI 602 displays a table of estate data 606 that may be asubset of the table of estate data 408 of FIG. 4 . The server(s) 110 mayselect the subset based upon permissions associated with the personrelated to which asset records the person authorized to view and/orwhich assets the person is authorized to dispose.

FIG. 7 illustrates an exemplary asset disposition UI 702 for obtainingor receiving, and/or providing, instructions related to disposing estateassets using XR. The headset 201 worn by a person (e.g., one of thepersons 122, 132) may present or provide the UI 702 in an XR environmentusing the headset 201, such that the person may interact virtually withthe server(s) 110 using XR to dispose of assets. The exemplary UI 702may be activated when, for example, a graphic 412 is virtually activated(e.g., using gestures or spoken commands). The UI 702 may include anynumber and/or type(s) of interface elements including tabs 704, andcheck boxes 706, for example.

The exemplary UI 702 is similar to UI 602 of FIG. 6 , and like elementsin FIGS. 4, 6, and 7 are designated with like reference numerals. Thedescription of like elements will not be repeated here. Instead, theinterested reader is referred to the descriptions of like elementsprovided in connection with FIGS. 4 and 6 .

The exemplary UI 702 relates to obtaining or receiving, and/orproviding, information related to asset disposal options for an asset,and receiving a selection of a disposal option for the asset forexecution. In the depicted example, a selected tab 708 enables a person(e.g., one of the persons 122, 132) to virtually review disposal optionsfor an asset, and virtually select a disposal option for the asset(e.g., using gestures or spoken commands to check one of the boxes 706)for execution. The person may select other tabs 704 to review other datafor the asset record.

Exemplary Computer-Implemented Methods

FIG. 8 is a flowchart representative of an exemplarycomputer-implemented method 800 representing hardware logic,machine-readable instructions, or software that may be implemented orexecuted by the server(s) 110 to use XR for obtaining or receive estatedata (e.g. the estate data 108), as disclosed herein. Any or all of theblocks of FIG. 8 may be executable program(s) or portion(s) ofexecutable program(s) embodied in software and/or machine-readableinstructions stored on non-transitory, machine-readable storage mediafor execution by the server(s) 110 or, more generally, one or moreprocessors, such as the processor 1202 of FIG. 12 . Additionally and/oralternatively, any or all of the blocks of FIG. 8 may be implemented byone or more hardware circuits structured to perform the correspondingoperation(s) without executing software or instructions. The method 800is described below with reference to various components or parties ofFIG. 1 .

The computer-implemented method 800 may start with the server(s) 110generating, and providing or presenting one or more XR environmentsusing one or more devices associated with a person 106 (block 802). Thedevices may be non-XR devices and/or XR devices. When they areavailable, one or more aspects of the one or more XR environments may bebased upon, or in accordance with, preference data for a person (e.g.,the preference data 126, 146 for the persons 106, 132). The preferencedata may include personal data and/or XR preferences (e.g., social mediaaccount information, metaverse preferences and location information, oravatar preferences or information).

Otherwise, the computer-implemented method 800 may present or provide,using the XR environments, one or more preference input UIs (e.g., oneof the exemplary UIs 202 or 302) to obtain preference data for theperson (block 804), and control may return to block 802 to generate oneor more personalized XR environment(s) (e.g., one of the XR environments104, 130) that are customized, personalized, and/or configured accordingto, or based upon, the preference data, and to provide or present theone or more personalized XR environment(s) on one or more XR devices(e.g., one of the XR devices 102, 124, 134) associated with the person(block 802).

If the server(s) 110 cannot authenticate the person (block 806), controlmay return to block 804 to get updated personal data.

The server(s) 110 may present or provide, using the XR environment(s),one or more estate data UIs (e.g., the exemplary UI 402) that present ordisplay one or more depictions of estate data (e.g., the estate data108) for the person (block 808).

The computer-implemented method 800 may, when the person selects anasset record for review or modification (block 810), present or provide,using the personalized XR environment(s), one or more asset record UIs(e.g., the exemplary UI 502) that present or display asset data of theasset record, and enable the person to review and/or modify the assetdata (block 812). The asset record UIs may be provided or presenteduntil the person indicates they are done reviewing and/or modifying theasset data (block 814).

When they are done reviewing and/or modifying the asset data (block814), the asset record and estate data may be updated (block 816), andcontrol may return to block 808 to wait for more input(s) from theperson 106.

Returning to block 810, when the person is done reviewing and/ormodifying estate data (block 818), the computer-implemented method 800may present or display the estate data again for review, verification,or approval (block 820). If approved (block 820), the server(s) 110 maycause the updated estate data to be stored on a distributed ledger, suchas a blockchain (e.g., as described above in connection with FIG. 1 )(block 822), the XR environment(s) may be ended (block 824), and controlmay exit from the method 800.

In some examples, the XR environment(s) 104 may include a virtualmeeting between the person and another person, such as therepresentative 122, an avatar or representation thereof, or an avatarfor a computer-generated virtual persona.

FIG. 9 is a flowchart representative of an exemplarycomputer-implemented method 900 representing hardware logic,machine-readable instructions, or software that may be implemented orexecuted by the server(s) 110 for obtaining or receiving instructionsrelated to disposing estate assets, as disclosed herein. Any or all ofthe blocks of FIG. 9 may be executable program(s) or portion(s) ofexecutable program(s) embodied in software and/or machine-readableinstructions stored on non-transitory, machine-readable storage mediafor execution by the server(s) 110 or, more generally, one or moreprocessors, such as the processor 1202 of FIG. 12 . Additionally and/oralternatively, any or all of the blocks of FIG. 9 may be implemented byone or more hardware circuits structured to perform the correspondingoperation(s) without executing software or instructions. The method 900is described below with reference to various components or parties ofFIG. 1 .

The computer-implemented method 900 may start with the server(s) 110generating, and providing or presenting one or more XR environment(s)using one or more devices associated with a person (e.g., the person132) (block 902). When they are available, one or more aspects of theone or more XR environments may be based upon, or in accordance with,preference data for the person (e.g., the preference data 146), such aspersonal data and/or XR preferences (e.g., social media accountinformation, metaverse preferences and location information, or avatarpreferences or information).

Otherwise, the computer-implemented method 900 may provide or present,using the XR environments, one or more preference input UIs (e.g., oneof the exemplary UIs 202 or 302) to obtain preference data for theperson (block 904), and control returns to block 902 to generate one ormore personalized XR environment(s) (e.g., one of the XR environments130) that are customized, personalized, and/or configured according to,or based upon, the preference data, and to provide or present the one ormore personalized XR environment(s) on one or more XR devices (e.g., oneof the XR devices 134) associated with the person (block 902).

The computer-implemented method 900 may including obtaining a deathcertificate and/or data related to a deceased person (i.e., the person106) (block 906). If the server(s) 110 cannot authenticate the personand the death of the deceased person (block 908), control may return toblock 904 to get updated personal data. For example, the server(s) 110may determine whether the person is authorized to access an accountassociated with the person 106 or the deceased person, or to access theestate data for the deceased person (e.g., the estate data 108).

When the person is authenticated (block 908), the server(s) 110 mayobtain the estate data, or an authorized subset thereof (block 910), andmay present or display, using the XR environment(s), one or more estatedisposition UIs (e.g., the UI 602) that present or display one or moredepictions of the estate data for the person (block 912).

If the person selects an asset record (block 914), the server(s) 110 mayprovide or present, using the XR environment(s) 130, one or more assetdisposition UIs (e.g., the exemplary UI 702) (block 916). When theperson selects a disposal option for the asset (block 918), adisposition record may be added to the estate data, and the asset recordmay be updated to include an indication that the asset has been disposedand/or how it was disposed (block 920), and control return may to block914.

When the person is done reviewing the estate data and/or disposingassets (block 914), the computer-implemented method 900 may present ordisplay the disposition records for review, verification, or approval(block 922). If approved (block 924), the server(s) 110 may cause theselected dispositions to be executed (block 926), and cause the updatedestate data to be stored on a distributed ledger, such as a blockchain(e.g., as described above in connection with FIG. 1 ) (block 928), theXR environment(s) may be ended (block 930), and control may exit fromthe method 900.

Exemplary Virtual Meetings

FIG. 10 illustrates an exemplary XR-based virtual meeting 1002 of afirst person (e.g., the person 106 or 132) with an avatar 1004 for, oranother representation of, a second person (e.g., the representative122) from the perspective of the first person. As depicted, the firstperson's perspective 1006 of the virtual meeting 1002 may be provided orpresented using an XR headset 1008 worn by the first person, such thatthe first person may interact virtually with the avatar 1004 for thesecond person.

FIG. 11 illustrates the exemplary XR-based virtual meeting 1002 of FIG.10 from the perspective of the second person looking at an avatar 1102for, or another representation of, the first person. As depicted, thesecond person's perspective 1104 of the virtual meeting 1002 may beprovided or presented using an XR headset 1106 worn by the secondperson, such that the second person may interact virtually with theavatar 1102 for the first person. In some embodiments, the virtualmeeting 1002 may occur in a virtual scene or location that mimics (e.g.,is constructed or generated to look similar to) an actualperson-to-person meeting in an actual scene or location. Exemplaryvirtual scenes or locations include a virtual office, a virtual meetingspace, a virtual bench overlooking a virtual ocean, virtually sittingside-by-side on a virtual couch in a virtual living room, or virtuallywalking side-by-side through virtual woods. In some embodiments, aperson may provide a description, image, or video of an actual scene orlocation (e.g., of a person's living room including a couch) that theserver(s) 110 may use to generate a corresponding virtual scene orlocation.

In one example, the first person may be a beneficiary, the second personmay be an insurance representation, and the virtual meeting mayrepresent a one-on-one chat of the first person with the insurancerepresentative in a living room. By meeting in a virtual scene orlocation described or selected the first person (see below), the firstperson may be made more comfortable when they meet the insurancerepresentative following the death of a family member, friend oracquaintance (e.g., the person 106). The insurance representative mayduring the virtual meeting (i) express their sympathy and condolences onthe death of the deceased; (ii) walk or guide the first person through,for example, a will or insurance policy; (iii) present or discussdisposal options for the insurance policy; and/or (iv) receive aselection of a disposal option for the insurance policy. In someexamples, a virtual meeting may represent a virtual meeting of one ormore persons (e.g., multiple beneficiaries) with an insurancerepresentative. In such examples, the one or more persons may wait in avirtual waiting room or lobby until they have all arrived, and thevirtual meeting with the insurance representative may begin. In someembodiments, the server(s) 110 may present or provide materials relatedgenerally to insurance, beneficiaries, estates, an insurance company,for example, to persons waiting to virtually meet with an insurancerepresentative. Additionally and/or alternatively, the server(s) 110 mayprovide or present videos, puzzles, games, etc. to help pass the timeuntil the virtual meeting may begin.

In the depicted virtual meeting 1002, the first person interacts withthe second person via the latter's avatar 1004. However, the avatar 1004need not be associated with an actual person. For example, the server(s)110 may generate a computer-generated persona of a computer-generatedvirtual person, such that the first person may instead interact with avisual avatar for the virtual person. Additionally and/or alternatively,the server(s) may provide or present a voice bot or chatbot for thevirtual person with which the first person may interact using spoken,written, or typed words. While example uses of the virtual meeting 1002have been described, the virtual meeting 1002 may instead be used forother purposes.

The server(s) 110 may obtain metaverse or XR preferences for the firstperson, and customize, personalize, generate, or configure the virtualmeeting based upon, or according to, the metaverse or XR preferences.Exemplary metaverse or XR preferences includes one or more of anypreferences related to XR or metaverse experiences and interactionsincluding, for example, virtual interaction preferences (e.g., prefer touse VR over AR, only use AR, preferred avatar, a metaverse preference, apreferred metaverse scene, a preferred avatar, a unique metaverseidentifier, a preferred XR device, a preferred XR device type, an XRidentifier, preferred metaverse or other setting for a virtual meeting,etc.), type(s) of or identifier(s) for the person's XR device(s),willingness to hold virtual meetings (rather than real-world meetings)with another person, where or how the person prefers to meet (e.g.,virtual home or virtual office in a metaverse, with the representative'savatar in person's actual home or place of business using AR, or inanother setting such as outdoors, at the beach, in the woods, during astroll, etc.), preferred time(s) or days-of-week to meet, etc.

In some embodiments, the server(s) 110 may notify or invite persons tovirtual meetings according to a person's notification preferences. Forexample, the server(s) 110 may send to a person a text notification witha link to initiate a virtual meeting. In some embodiments, thenotification or invitation for a virtual meeting may correspond to ascheduled time for the virtual meeting, such as when two actual personswill participate in the virtual meeting. However, some notifications orinvitations may be activated at any day or time, such as when a personwill be the only actual person in a virtual meeting. In someembodiments, the preferences may be provided to the server(s) 110,manually or automatically, when a person responds to a notification for,or an invitation to, a virtual meeting.

Exemplary Processing Platform

FIG. 12 is a block diagram representative of an exemplary processingplatform 1200 that may be used to implement one or more components ofthe exemplary XR devices 102 and 134, the server(s) 110, or, moregenerally, the exemplary XR system 100 of FIG. 1 . The exemplaryprocessing platform 1200 may be capable of executing instructions to,for example, implement operations of the exemplary methods describedherein, as may be represented by the flowcharts of the drawings thataccompany this description. Other exemplary logic circuits capable ofimplementing operations of the exemplary methods described hereininclude field programmable gate arrays (FPGAs) and application specificintegrated circuits (ASICs).

The exemplary processing platform 1200 of FIG. 12 may include aprocessor 1202 such as, for example, one or more microprocessors,controllers, and/or any suitable type of processor. The exemplaryprocessing platform 1200 of FIG. 12 may include memory (e.g., volatilememory, non-volatile memory) 1204 accessible by the processor 1202(e.g., via a memory controller). The exemplary processor 1202 mayinteract with the memory 1204 to obtain, for example, machine-readableinstructions stored in the memory 1204 corresponding to, for example,the operations represented by the flowcharts of this disclosure.Additionally or alternatively, machine-readable instructionscorresponding to the exemplary operations described herein may be storedon one or more removable media (e.g., a compact disc, a digitalversatile disc, removable flash memory, etc.) that may be coupled to theprocessing platform 1200 to provide access to the machine-readableinstructions stored thereon.

The exemplary processing platform 1200 of FIG. 12 may include one ormore communication interfaces such as, for example, one or more networkinterface 1206, and/or one or more input/output (I/O) interfaces 1208.The communication interface(s) enable the processing platform 1200 ofFIG. 12 to communicate with, for example, another device or system(e.g., the exemplary XR devices 102, 124, and 134, and the server(s)110), datastore, database, and/or any other machine.

The exemplary processing platform 1200 of FIG. 12 may include thenetwork interface(s) 1206 to enable communication with other machines(e.g., the exemplary XR devices 102, 124, and 134, the server(s) 110)via, for example, one or more networks, such as the network(s) 148. Theexemplary network interface 1206 may include any suitable type ofcommunication interface(s) (e.g., wired and/or wireless interfaces)configured to operate in accordance with any suitable communicationprotocol(s). Exemplary network interfaces 1206 may include a TCP/IPinterface, a WiFi™ transceiver (e.g., according to the IEEE 802.11xfamily of standards), an Ethernet transceiver, a cellular network radio,a satellite network radio, or any other suitable interface based uponany other suitable communication protocols or standards.

The exemplary processing platform 1200 of FIG. 12 may include theinput/output (I/O) interface(s) 1208 (e.g., a Bluetooth® interface, anNFC interface, a USB interface, a serial interface, an infraredinterface, etc.) to enable receipt of user input (e.g., from inputcontrols of the XR devices 102, 124, and 134, a touch screen, keyboard,mouse, touch pad, joystick, trackball, microphone, button, etc.) andcommunication of output data (e.g., visual indicators, instructions,data, images, etc.) to the user (e.g., via a display, speaker, printer,etc.).

Exemplary Personalized Virtual User Experiences

The present embodiments may also relate to, inter alia, collecting data,including personal data and virtual user experience preferences, anddata related to insurance policies, wills, homes, vehicles, and personalbelongings. The data may be collected via several sources, including avirtual headset (e.g., an AR, VR, or XR headset or smart glasses orsmart contacts, and/or an associated chat or voice bot), and analyzed bya server or processor to provide practical applications and virtual userexperiences to users.

More particularly, the present embodiments disclose systems and methodsthat may relate to virtual headsets and virtual user experiences. Forinstance, digitalized data related to (i) insureds and beneficiaries,and their virtual user experience preferences; (ii) life, auto, home,and/or personal articles insurance policies; (iii) wills and trusts;(iv) personal assets, such as homes, autos, financial accounts, orpersonal articles; and/or (iv) damaged insured assets, such as damagedvehicles, homes, and personal articles damaged as a result ofinsurance-related events (e.g., vehicle collisions, fire, wind, water,hail, thunderstorms, wildfires, hurricanes, tornadoes, etc.), may becollected and generated, at least in part, via virtual headsets. Thedata collected may be utilized to create personalized virtual userexperiences that are presented or otherwise experienced digitally and/oraudibly via virtual headsets.

The personalized virtual user experiences may relate to (i) thedisposition of assets via a life insurance policy or will; (ii)generating a homeowners, auto, or personal articles insurance quote;(iii) preparing and/or handling/processing a homeowners, auto, orpersonal articles insurance claim based upon data collected related to(a) insurance policies, and (b) damaged insured assets; (iv) preparingvirtual reconstructions of the insurance-related event for viewing andaltering via virtual headsets; (v) preparing virtual representations ofhome remodeling, home remodeling options, repair or replacement optionsand materials/cost options for viewing and approving via virtualheadsets; (vi) scheduling repair or replacement contractors via virtualheadsets; and other applications discussed herein.

Virtual Agent's Office (Metaverse)

Certain embodiments may utilize a virtual headset (such as an AR/VR/XRheadset, or smart glasses), chatbot and/or avatar to submit an insuranceclaim using visuals/icons, such as icons related to selecting damagedinsured asset (home, vehicle, personal article), type of damage(collision, fire, water, wildfire, tornado, hail, wind, etc.), locationof damage, etc. The customer may use the virtual headset to navigateabout the virtual agent's office, such as to prepare a claim or receivea quote.

It should be noted that a life insurance claimant will be thebeneficiary, not the insured; as a result, the beneficiary may not havea pre-existing relationship with the insurance provider. So, thisimmersive experience may be a good way to bridge the “personal touch”and the digital during a difficult time.

The insured may utilize the virtual headset to collect and/or createdigitalized life insurance and/or will/trust information of the insuredto identify items bequeathed and beneficiaries. A hybrid personalizedrelationship may be created with beneficiaries by allowing eachbeneficiary to use a virtual headset and/or chatbot to enter theirpersonal information; preferred financial accounts; preferences forvirtual agent or actual agent interaction(s); and/or preferences formetaverse location or virtual area/home interaction. For instance, thebeneficiary may, via the virtual headset, select whether they prefer tosummon a virtual agent/chat bot, or an actual agent using visualmenus/icons or verbally/audible interaction with a chat bot (e.g., ifthey would like to discuss life insurance policies in general, etc.).Upon the death of the insured, a beneficiary may digitalize a deathcertificate or other proof of death using a virtual headset.

In some embodiments, the virtual headset, and graphics presentedthereon, may walk or guide the beneficiary(s) through the life insurancebenefits and/or will or trust using the virtual headset. Additionally,each beneficiary may select one or more their financial account(s) fortransferring funds into using the virtual headset for financialbequeaths.

Exemplary Personalized Virtual User Experience

FIG. 13 illustrates a computer-implemented method utilizing apersonalized virtual user experience to dispose of assets identified ina life insurance policy, will, or trust 1300. The computer-implementedmethod 1300 may be implemented via one or more local or remoteprocessors, sensors, cameras, transceivers, servers, memory units, chator voice bots, and/or virtual headsets. The virtual headsets may includeAR (Augmented Reality) glasses or headsets, VR (Virtual Reality) glassesor headsets, XR (eXtended Reality) glasses or headsets, or other smartglasses. The headsets or glasses may include audible functionality, suchas chat or voice bot functionality, or be configured to work with anassociated chat or voice bot, such as a chat or voice bot working with asmart home controller and located within the home.

The computer-implemented method 1300 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets: (1) receiving or creatingdigitalized data of an insured 1302, such as via a virtual headsetand/or chat bot; (2) allowing the insured to use a virtual headset(and/or chat bot) to visually or audibly review, adjust, and/or approvea listing of assets, and disposition of assets established via a lifeinsurance policy or will 1304; (3) receiving or creating digitalizeddata of a beneficiary 1306, such as via a virtual headset and/or chatbot; (4) creating a personalized virtual user experience for thebeneficiary 1308, such as via a virtual headset and/or chat bot; (5)capturing or receiving a digital death certificate from thebeneficiary's virtual headset 1310; and/or (6) handling or processingthe disposition of assets identified in a will or life insurance policyin a virtual world via the virtual headset 1312, such as using a virtualheadset and/or chat bot. The method may include additional, less, oralternate actions, including those discussed elsewhere herein.

The computer-implemented method 1300 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, receiving or creatingdigitalized data of, or associated with, the insured 1302. For instance,the insured may use a virtual headset (such as smart or virtual glassesor headset; or an AR, VR, or XR headset) and/or chatbot to virtually oraudibly capture, collect, and/or digitalize: (i) personal data,including virtual user experience preferences; (ii) social media data;(iii) insured asset data (e.g., house(s), vehicle(s), and personalbelonging data); (iv) financial account data; (v) life insurance data;(vi) will and/or trust data; and/or (vii) metaverse location and/oravatar data (such as a virtual location owned or associated with theinsured, and a virtual avatar or other virtual character of, orassociated with, the insured).

The computer-implemented method 1300 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, allowing the insured toreview, adjust, modify, and/or approve the digitalized data of theinsured 1304. For instance, the insured may use a virtual headset tovisually (such as via icons or other graphics) or audibly review,adjust, and/or approve belongings and insured assets (including homefeatures, vehicle features, etc.); will disposition and bequeaths; lifeinsurance policy terms, conditions, and endorsements; and/or otherinsurance policies and conditions (e.g., home, auto, and personalarticles insurance).

The computer-implemented method 1300 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, receiving or creatingdigitalized data of a beneficiary 1306. For instance, a life insuranceor will beneficiary identified in the digitalized data of an insured(such as identified within digitalized will or life insurance data) mayuse a virtual headset to capture or collect (i) personal data andvirtual user experience preference data; (ii) social media data; (iii)financial account data; and/or (iv) metaverse location and avatar data(such as a beneficiary's home or other preferred location in themetaverse).

The computer-implemented method 1300 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, creating a personalizedvirtual user experience for the beneficiary 1308. For instance, thebeneficiary may use a virtual headset (and/or chat bot) to visuallyand/or audibly capture, collect, and/or identify the beneficiary'spreferences on virtual or actual communications; preferences on virtualor actual agent interactions; preferred metaverse location(s) forvirtual interactions; and/or preferences for monetary or personalarticles disposition.

In the event that the insured passes away, the computer-implementedmethod 1300 may include, via one or more local or remote processors,sensors, cameras, transceivers, servers, memory units, chat bots, and/orvirtual headsets, the beneficiary capturing and/or digitalizing a deathcertificate or other proof of the insured passing away 1310. Forinstance, the beneficiary may capture or otherwise digitalize a deathcertificate via a virtual headset.

The computer-implemented method 1300 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, handling or otherwiseprocessing will and life insurance asset disposition virtually in avirtual world 1312. For instance, the beneficiary may be led through awill or life insurance bequeaths in a metaverse room or location oftheir choosing (such as from the beneficiary virtual user experiencepreferences determined previously), interacting with either a preferredvirtual or actual agent, and allowing the beneficiary to select paymentoptions or accounts virtually, visually, or audibly.

Exemplary Life Insurance Applications

FIG. 14 illustrates a computer-implemented method utilizing apersonalized virtual user experience to dispose of assets identified ina life insurance policy, will, or trust 1400. The computer-implementedmethod 1400 may be implemented via one or more local or remoteprocessors, sensors, cameras, transceivers, servers, memory units, chator voice bots, and/or virtual headsets. The virtual headsets may includeAR (Augmented Reality) glasses or headsets, VR (Virtual Reality) glassesor headsets, XR (eXtended Reality) glasses or headsets, or other smartglasses. The headsets or glasses may include audible functionality, suchas chat or voice bot functionality, or be configured to work with anassociated chat or voice bot, such as a chat or voice bot working with asmart home controller and located within the home.

The computer-implemented method 1400 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets: (1) receiving or creatingdigitalized data of a life insurance policy (or will) 1402, such as viaa virtual headset and/or chat bot; (2) receiving or creating digitalizeddata of a beneficiary 1404; (3) creating a personalized virtual userexperience for the beneficiary 1406; (4) virtually or electronicallynotifying the beneficiary of the insured passing away 1408; and/or (5)handling or processing the life insurance or will disposition virtuallyin the virtual world, such as the metaverse 1410. The method may includeadditional, less, or alternate actions, including those discussedelsewhere herein.

For instance, the computer-implemented method 1400 may include, via oneor more local or remote processors, sensors, cameras, transceivers,servers, memory units, chat bots, and/or virtual headsets, receiving orcreating digitalized data of, or associated with, the insured 1402. Forinstance, the insured may use a virtual headset (such as smart orvirtual glasses or headset; or an AR, VR, or XR headset) and/or chatbotto virtually or audibly capture, collect, and/or digitalize (i) personaldata and virtual user experience preference data; (ii) social mediadata; (iii) insured asset data (e.g., house(s), vehicle(s), and personalbelonging data); (iv) financial account data; (v) life insurance data;(vi) will and/or trust data; and/or (vii) metaverse location and/oravatar data (such as a virtual location owned or associated with theinsured, and a virtual avatar or other virtual character of, orassociated with the insured). The beneficiary information and name maybe extracted from the digitalized data.

The computer-implemented method 1400 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, receiving or creatingdigitalized data of a beneficiary 1404. For instance, a life insuranceor will beneficiary identified in the digitalized data of an insured(such as identified within digitalized will or life insurance data) mayuse a virtual headset and/or chat bot to capture or collect (i) personaldata and virtual user experience preference data; (ii) social mediadata; (iii) financial account data; and/or (iv) metaverse location andavatar data (such as a beneficiary's home or other preferred location inthe metaverse).

The computer-implemented method 1400 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, receiving or generating anotification of the insured's passing away 1408. Additionally oralternatively, the beneficiary may create a digitalized version of adeath certificate, such as by using a virtual headset, or mobile devicecamera.

The computer-implemented method 1400 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, handling or otherwiseprocessing will and life insurance asset disposition virtually in avirtual world 1410. For instance, the beneficiary may be led through awill or life insurance bequeaths in a metaverse room or location oftheir choosing (such as determined from or identified within thebeneficiary virtual user experience preferences determined previously),interacting with either a preferred virtual or actual agent, andallowing the beneficiary to select payment options or accountsvirtually, visually, or audibly.

Virtual Crash Reconstruction for Headset Review

With some embodiments, vehicle crash data from vehicle sensors, vehicletelematics data, mobile device data, smart infrastructure data, and/ordrones/aerial data associated with a vehicle crash may be collected fromone or more data sources and local or remote sensors, transceivers, andprocessors. The insured or vehicle owner, driver, or passenger maycollect additional vehicle crash data using a virtual headset, such ascapturing images of each vehicle involved in the crash, the areas of thevehicle collision, and of each vehicle damaged.

The crash data collected may be utilized to generate a model or virtualcrash reconstruction. The virtual crash reconstruction may be used toidentify which AV (autonomous vehicle) or driver was at fault, orpartially at fault, and/or determine other causes/factors (weather,construction, deer, etc.) contributing to the vehicle collision.

The virtual crash reconstruction may be downloaded or streamed to avirtual headset to facilitate and/or allow: (i) the insured and/or agentto review, adjust, and/or approve the accuracy of the virtual crashreconstruction; (ii) the claim handler to review or adjust the virtualcrash reconstruction; and/or (iii) the insured and claim handler to viewand/or adjust the virtual reconstruction together, and work together tobuild/confirm the reconstruction. Additionally or alternatively, theinsured can utilize the virtual headset to build the reconstruction inreal time as he or she describes the accident verbally or using movableicons.

The verified virtual crash reconstruction may be placed on, otherwisestored on, or streamed to, a blockchain for remote viewing to facilitatesubrogation, claim processing, dispute resolution, etc. Certainembodiments may also use computer vision and/or connected infrastructuredata to resolve disputes associated with insurance-related events.

Home Insurance-Related Events

In some embodiments, for home damage, such as fire or water damage, abudget for repair of the home and/or replacement of fixtures using thevirtual headset and/or an associated chat bot. Data may be collectedusing a virtual headset (and/or home sensors, mobile device sensors,vehicle sensors, etc.). In some embodiments, home telematics or usagedata (e.g., water or electricity usage and home occupancy data), and/orvehicle telematics data (acceleration, braking, cornering, location,etc.) may be utilized. ML may be utilized to identify problem(s), i.e.,cause of the damage or potential damage, such as leaking pipes, faultywiring, leaking roof, damaged foundation, etc., and/or to identifymaterials for repair/replacement. Virtual illustrations or graphicaldepictions may be created depicting potential problems and/or repairmaterials for display on the virtual headset.

Home Remodeling

In some embodiments, a virtual headset may be utilized to facilitatehome remodeling, such as kitchen or bathroom remodeling. For instance, acustomer may utilize a virtual headset to capture images of a house viaa home walk-through. From the data collected, sizes and dimensions ofrooms may be identified. Audible or visual instructions may be providedto the customer as where to capture more images using the virtualheadset. The virtual headset may provide or offer views of severalpotential remodeled kitchens (or other rooms) with different materials(e.g., different floors, stoves, refrigerators, counter tops, windows,different paint colors, etc.) and display their different costs for eachvirtual remodel; and once a remodeling option is visually or audiblyselected by the customer, the customer may select financing options viathe virtual headset and/or associated chat bot.

Homeowners Insurance

As noted elsewhere, in some embodiments, a customer may use a virtualheadset to capture images of the interior and exterior of a house via ahome walk-through. From ML or other processor analysis of the datacollected, a homeowners insurance quote, personal articles insurancequote, auto insurance quote, home loan, and/or other quote may begenerated. For instance, from analysis of the data, an offer for a homeloan may be generated. As an example, for parametric insurance, thecapture of the home data via the virtual headset may be used as atrigger to have a home loan offer and/or homeowners insurance quotegenerated and then presented via the virtual headset.

From ML or other processor analysis of the home data collected, areas ofrisk to the home may be identified to generate risk mitigationrecommendations and/or insurance discounts. The data may be analyzed to(1) determine insurance coverage needs/endorsements/riders, etc.; (2)identify gaps in coverage, e.g., identify a boat or a second vehiclestored on the property, or extra structure on the property, that iscurrently uninsured or underinsured; (3) determine an inventory ofitems/personal articles about the home (again, such as by using ML orother techniques); (4) generate an personal articles insurance quote;and/or (5) for parametric insurance: based on a trigger event, such as ahome total loss (wildfire, fire, hurricane, tornado, etc.), (i) generatea list of replacement items for the insured to review, adjust, and/orapprove for automatic purchasing of all (or individually selected) itemsfor replacement using the virtual headset and/or chat bot, and/or (ii)generate a potential insurance claim for the cost of the inventory ofthe items (for payout) for insured's review, modification, and/orapproval via the virtual headset and/or chat bot.

Home Risk Mitigation

As noted, with some embodiments, the customer may utilize the virtualheadset to capture images of interior and exterior of house via homewalk-through. After which, ML or other techniques may be utilized toidentify sources of water damage and/or other risks, such as hoses orpipes breaking/leaking, water heaters, toilet connections, washingmachine hoses, dishwasher hoses, etc. Processor analysis of the datacollected may also be utilized to generate recommendations of potentialfixes; display or otherwise visually represent fixes and/or repairs onthe virtual headset; and generate potential discounts and displayinsurance savings on the virtual headset. Some embodiments may includepartnering with various merchants to identify replacement and/or repairparts and their costs.

Certain embodiments may include utilizing processor analysis of the datacollected to identify locations to position, and types of, lights andsensors to improve home security and other functionality.

The virtual headset may display the customer's house and images of riskto the house (such as trees, branches, potential ice, damaged shingles,etc.). Also, types of replacement roofing material may be identified,and an insurance discount may be depicted if the roofing materials areupgraded on the virtual headset.

Auto & Homeowners Insurance Applications

FIG. 15 illustrates a computer-implemented method of auto insurance andhomeowners insurance virtual applications 1500. The computer-implementedmethod 1500 may be implemented via one or more local or remoteprocessors, sensors, cameras, transceivers, servers, memory units, chator voice bots, and/or virtual headsets. The virtual headsets may includeAR (Augmented Reality) glasses or headsets, VR (Virtual Reality) glassesor headsets, XR (eXtended Reality) glasses or headsets, or other smartglasses. The headsets or glasses may include audible functionality, suchas chat or voice bot functionality, or be configured to work with anassociated chat or voice bot, such as a chat or voice bot working with asmart home controller and located within the home.

The computer-implemented method 1500 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets: (1) receiving or creatingdigitalized data of an insured 1502, such as via a virtual headsetand/or chat bot; (2) collecting damaged vehicle data or damaged homedata via a virtual headset and/or chat bot 1504; (3) collecting vehiclecollision data or home event data via other data sources 1506, includingvehicle telematics data; (4) creating a virtual reconstruction of thevehicle collision or home event 1508; (5) allowing the insured and/oragent to view the virtual reconstruction via a virtual headset, andmodify and/or approve the virtual reconstruction via the virtual headsetand/or a chat bot 1510; and/or (6) storing the approved virtualreconstruction on a blockchain for insurance claim handling and/ordispute resolution 1512. Additionally or alternatively, the method 1500may also include, via one or more local or remote processors, sensors,cameras, transceivers, servers, memory units, chat bots, and/or virtualheadsets: (7) analyzing the damaged vehicle data or damaged home datavia a ML algorithm, model, or program 1514 to (i) estimate repair orreplacement costs; (ii) identify repair or replacement materials (andrespective suppliers of the materials); (iii) identify qualified andtrusted contractors or body shops, and schedule repairs; and/or (iv)prepare an insurance claim for the insured's review, modification,and/or approval; and/or (7) creating a virtual depiction of the repairwork and/or predicted final repaired vehicle or home for the insured toreview, adjust, and/or approve 1516. The computer-implemented method mayinclude additional, less, or alternate actions, including thosediscussed elsewhere herein.

The computer-implemented method 1500 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, receiving or creatingdigitalized data of, or associated with, the insured 1502. For instance,the insured may use a virtual headset (such as smart or virtual glassesor headset; or an AR, VR, or XR headset) and/or chatbot to virtually oraudibly capture, collect, and/or digitalize (i) personal data andvirtual user experience preference data; (ii) social media data; (iii)insured asset data (e.g., house(s), vehicle(s), and personal belongingdata); (iv) financial account data; (v) life insurance data, autoinsurance data, homeowners insurance data, personal articles insurancedata, etc.; (vi) will and/or trust data; and/or (vii) metaverse locationand/or avatar data (such as a virtual location owned or associated withthe insured, and a virtual avatar or other virtual character of, orassociated with the insured).

After an insurance-related event occurs, such as an event that leads tovehicle or home damage, the computer-implemented method 1500 mayinclude, via one or more local or remote processors, sensors, cameras,transceivers, servers, memory units, chat bots, and/or virtual headsets,receiving or creating digitalized data of the vehicle damage or homedamage 1504. For instance, an insured may collect data (such as imagesor audible notes) of, or associated with, a damaged vehicle or damagedhome via a virtual headset and/or chat bot.

The computer-implemented method 1500 may include, via one or more localor remote home-mounted sensors, vehicle-mounted sensors, mobile devices,drones, and/or smart infrastructure, collecting or generating data of,or associated with, the damaged vehicle or damaged home, respectively1506. For instance, vehicle sensors and smart infrastructure data may beassociated with, or show, a damaged vehicle or vehicle collision. Smarthome sensor, vehicle sensors, or drones may collect data associated witha damaged home. Vehicle telematics data (e.g., acceleration, braking,cornering data) and home telematics data (e.g., electricity usage, waterusage, home occupancy data) may also be collected.

The computer-implemented method 1500 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, reconstructing theinsurance-related event leading to the vehicle or home data using all,or a portion, of the data collected 1508. For instance, a virtualreconstruction of the insurance-related event may be generated orcreated via one or more processors and servers.

The computer-implemented method 1500 may include (via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets), viewing, altering, and/orapproving the virtual reconstruction via a virtual headset 1510. Forinstance, the insured and/or agent may view the virtual reconstruction,and adjust or alter the virtual reconstruction visually using icons orgraphic points, and/or audibly. As an example, the insured may visuallymove a tree, street light or sign, pedestrians, or vehicles that arerepresented graphically or by icons, or audibly (via the headset or anassociated chat bot), such as by “Move the pine tree three feet toWest”; “Add another pedestrian on the East side of the road”; or “Movethe black SUV into the passing lane”; or the like.

After the virtual reconstruction is created and/or approved by theinsured, the computer-implemented method 1500 may include, via one ormore local or remote processors, sensors, cameras, transceivers,servers, memory units, chat bots, and/or virtual headsets, placing orotherwise storing the virtual reconstruction on a blockchain for othersto view, and for claim handling and dispute resolution 1512. Forinstance, the virtual reconstruction may be used for subrogationpurposes and/or to determine one or more causes for vehicle damage orhome damage, respectively.

The computer-implemented method 1500 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, analyzing the damaged vehicleor damaged home data via a ML algorithm, model, or program (or usingother techniques, such as pattern recognition techniques) 1514 to (i)estimate repair and/or replacement costs; (ii) identify repair and/orreplacement materials and suppliers; (iii) schedule repairs with trustedand qualified contractors; and/or (iv) prepare a virtual insurance claimfor the insured's review, approval, or modification.

The computer-implemented method 1500 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, creating virtualreconstructions or scenarios 1516 depicting or visually displaying,and/or audibly presenting (a) the estimated repair/replacement costs;(b) the repair/replacement materials, suppliers, and/or costs; (c)available contractors, dates for repair work to be performed, contractorrating, and/or virtual calendar of the insured; and/or (d) the virtualinsurance claim created. The insured may view, alter, and/or approve therepair materials, replacement materials, contractors, insurance claim,etc. via the visually or audibly using the headset and/or an associatedchat bot or chat bot functionality. The virtual reconstructions may bepersonalized based upon the insured's preferences, such as notedelsewhere herein, to present a personalized virtual user experience tothe insured.

Homeowners Insurance Applications

FIG. 16 illustrates a computer-implemented method of auto insurance andhomeowners insurance virtual applications 1600. The computer-implementedmethod 1600 may be implemented via one or more local or remoteprocessors, sensors, cameras, transceivers, servers, memory units, chator voice bots, and/or virtual headsets. The virtual headsets may includeAR (Augmented Reality) glasses or headsets, VR (Virtual Reality) glassesor headsets, XR (eXtended Reality) glasses or headsets, or other smartglasses. The headsets or glasses may include audible functionality, suchas chat or voice bot functionality, or be configured to work with anassociated chat or voice bot, such as a chat or voice bot working with asmart home controller and located within the home.

The computer-implemented method 1600 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets: (1) receiving or creatingdigitalized data of an insured 1602, such as via a virtual headsetand/or chat bot; (2) guiding the insured through a walk-through of theirhouse and belongings wearing the virtual headset to capture data, suchas images and audible input, associated with, or of, their belongings(e.g., home, home features and characteristics, vehicles, boats, yard,fixtures, etc.) 1604; (3) utilizing ML to analyze the data captured andidentify areas of risk associated with, or located about, the home andyard 1606; (4) identifying risk or potential damage mitigating orcorrective actions, and offering homeowners and other insurancediscounts if corrective actions are taken 1608; (5) utilizing ML toanalyze the data captured and identify areas of interest and itemsassociated with, or located about, the home and yard 1610 (e.g.,personal articles, home, home features and characteristics, vehicles,boats, fixtures, etc.); (6) generating a personal articles, homeowners,or auto insurance quote 1612; (7) analyzing the data captured anddigitalized data of the insured to identify insurable assets that areuninsured or underinsured (such as insurance for vehicles or boatslocated on the property, or for structures located on the property, suchas a shed or garage), and generating and sending a virtual insurancequote to the insured for viewing on a virtual headset 1614; (8) upondetecting an insurance-related event from analysis of home or othersensor data, generating an insurance claim for the insured related torepair of the home and vehicles, or financial cost or replacement oftheir personal belongings 1616; (9) creating visual depictions of homeremodeling options for viewing on a virtual headset 1618; and/or (10)allowing the insured to view, adjust, or approve one or more of the homeremodeling options via the virtual headset and/or chat bot 1620. Thecomputer-implemented method may include additional, less, or alternateactions, including those discussed elsewhere herein.

The computer-implemented method 1600 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, receiving or creatingdigitalized data of, or associated with, the insured 1602. For instance,the insured may use a virtual headset (such as smart or virtual glassesor headset; or an AR, VR, or XR headset) and/or chatbot to virtually oraudibly capture, collect, and/or digitalize (i) personal data andvirtual user experience preferences; (ii) social media data; (iii)insured asset data (e.g., house(s), vehicle(s), and personal belongingdata); (iv) financial account data; (v) life insurance data, autoinsurance data, homeowners insurance data, personal articles insurancedata, etc.; (vi) will and/or trust data; and/or (vii) metaverse locationand/or avatar data (such as a virtual location owned or associated withthe insured, and a virtual avatar or other virtual character of, orassociated with the insured).

The computer-implemented method 1600 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, guiding the insured through awalk-through of their house and belongings wearing the virtual headsetto capture data, such as images and audible input, associated with or oftheir belongings (e.g., home, home features and characteristics,vehicles, boats, yard, fixtures, etc.) 1604. For instance, video orimages (and audible notes) collected of the home, yard, and belongingsand analyzed to determine whether the items and home features can beidentified. If not, visual or audible instructions may be provided viathe headset for the user to collect additional video or images ofcertain items or home areas for further processor analysis.

The computer-implemented method 1600 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, utilizing ML to analyze theimage and/or audio data captured and identify areas of risk associatedwith, or located about, the home and yard 1606. For instance, after ahome walk-through collects data via a headset, the data may be inputinto a trained ML program that is trained to identify risks of homedamage, such as (i) leaking faucets, pipes, hoses, dishwasher hoses,washing machine hoses; (ii) damaged or decaying roofing materials orshingles, or siding materials; (iii) over grown trees or shrubbery, suchas risk of falling trees, or wildfire hazards too close to a home; etc.

The computer-implemented method 1600 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, identifying risk or damagemitigating or corrective actions, and offering homeowners and otherinsurance discounts if corrective actions are taken 1608. For instance,visual representations of corrective actions may be presented (such asfixing leaking hoses or making other home repairs, trimming tree limbsor shrubbery, repairing damaged roofs, installing home lighting forsecurity, etc.). Repair or replacement parts or materials and suppliersmay be identified and depicted visually via the virtual headset oraudibly via the chat bot.

The computer-implemented method 1600 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, utilizing ML to analyze thedata captured and identify areas of interest and items associated with,or located about, the home and yard 1610 (e.g., personal articles, home,home features and characteristics, vehicles, boats, fixtures, etc.).

The computer-implemented method 1600 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, generating a personalarticles, homeowners, or auto insurance quote 1612. The quotes may bebased upon home features and characteristics, personal articles, and/orvehicle and vehicle features identified from processor analysis of thedata collected via the virtual headset.

The computer-implemented method 1600 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, analyzing the data capturedand digitalized data of the insured to identify insurable assets thatare uninsured or underinsured (such as insurance for vehicles or boatslocated on the property, or for structures located on the property, suchas a shed or garage), and generating and sending a virtual insurancequote to the insured for viewing on a virtual headset 1614. Forinstance, the virtual headset itself may analyze the items in view inreal-time, determine that an item is uninsured (such as a boat parked inthe backyard), and generate an insurance quote for review on the visualheadset.

The computer-implemented method 1600 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, upon detecting aninsurance-related event from analysis of home or other sensor data,generating an insurance claim for the insured related to the repair ofthe home and vehicles, or the financial cost or replacement of theirpersonal belongings 1616. For instance, if there is smoke damage in oneor more rooms of the house due to a fire, repair materials and costs maybe identified via one or more local or remote processors and thenvisually and/or audibly presented to the insured via the headset.

The computer-implemented method 1600 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, creating visual depictions ofhome remodeling options for viewing on a virtual headset 1618. Forinstance, various options for bath or kitchen remodeling may be visuallydepicted on, and/or audibly presented via, the virtual headset.Different materials and different costs may also be visually displayedor audibly presented to the insured for the review.

The computer-implemented method 1600 may include, via one or more localor remote processors, sensors, cameras, transceivers, servers, memoryunits, chat bots, and/or virtual headsets, allowing the insured to view,adjust, or approve one or more of the home remodeling options via thevirtual headset and/or chat bot 1620. For instance, the insured mayalter or adjust the remodeling plans via visual selections (differentmaterial selections, different contractor options, different timetableselections for the work being performed) and/or audible interaction(s)with the virtual headset and/or chat bot.

Exemplary Embodiments

In one aspect, a computer-implemented method of distributing assets in avirtual world via a virtual headset may be provided. The method mayinclude (1) receiving or creating, via an insured virtual headset and/orchat bot associated with an insured, digitalized data of, or associatedwith, the insured; (2) adjusting and/or approving, via the insuredvirtual headset and/or chat bot associated with an insured, a listing ofassets and a disposition of assets belonging to the insured; (3)receiving or creating, via a beneficiary virtual headset and/or chat botassociated with a beneficiary, digitalized data of, or associated with,the beneficiary; (4) creating, via the beneficiary virtual headsetand/or chat bot associated with the beneficiary, a personalized virtualuser experience for the beneficiary (that is personalized using one ormore visual, graphic, or audible inputs and/or settings selected bybeneficiary or predicted for the beneficiary based upon the digitalizeddata of, or associated with, the beneficiary); (5) capturing orreceiving, via the beneficiary virtual headset and/or a chat botassociated with the beneficiary, a digital death certificate of theinsured captured by the beneficiary; and/or (6) handling or otherwiseprocessing, via the beneficiary virtual headset and/or a chat botassociated with the beneficiary, the disposition of one or more assetsidentified in the (i) digital or virtual will, or (ii) digital orvirtual life insurance policy in a virtual world via the beneficiaryvirtual headset and/or chat bot, the virtual world reflecting thepersonalized virtual user experience for the beneficiary. The method mayinclude additional, less, or alternate actions, including thosediscussed elsewhere herein.

For instance, creating, via the beneficiary virtual headset and/or chatbot associated with the beneficiary, a personalized virtual userexperience for the beneficiary may include (i) determining or receivingpreference metaverse location for virtual interactions and experiencesof the beneficiary; (ii) receiving one or more visual or audibleselections entered by the beneficiary via the virtual headset and/orassociated chat bot; and/or (iii) predicting preferred virtualexperience settings for the beneficiary based upon the digitalized dataof, or associated with, the beneficiary, the digitalized data of thebeneficiary including social media posts and the settings includingvisually or audible settings.

The receiving or creating, via an insured virtual headset and/or chatbot associated with an insured, digitalized data of, or associated with,the insured may include the insured capturing images of an insurancepolicy or will via the virtual headset to create a digitalized insurancepolicy or will.

In another aspect, a computer-implemented method of creating a virtualreconstruction of an insurance-related event may be provided. The methodmay include (1) receiving or creating, via an insured virtual headsetand/or chat bot associated with an insured, digitalized data of, orassociated with, the insured; (2) receiving or creating, via an insuredvirtual headset and/or chat bot associated with an insured, digitalizeddata of, or associated with a damaged vehicle or damaged home; (3)receiving or creating, via one or more additional sources (e.g., vehiclesensors, home sensors, smart infrastructure), digitalized data of, orassociated with a damaged vehicle or damaged home; (4) virtuallyreconstructing, via one or more processors and/or the virtual headset,the insurance-related event that caused the vehicle damage or homedamage, respectively; and/or (5) displaying or presenting the virtualreconstruction via the virtual headset to facilitate the insured oragent to view, alter, or approve the virtual reconstruction. The methodmay include additional, less, or alternate actions, including thosediscussed elsewhere herein.

For instance, the method may include inputting the damaged vehicle ordamage home data into a ML program that is trained to (i) estimaterepair or replacement costs; (ii) identify repair or replacementmaterials; (iii) schedule repairs with body shops or home contractors;and/or (iv) prepare a pre-populated virtual insurance claim for theinsured's review, modification, or approval. The method may also include(a) using the output of the ML program to generate virtual or visualdepictions of (i) the estimated repair or replacement costs; (ii) theidentified repair or replacement materials; (iii) the scheduled repairswith body shops or home contractors; and/or (iv) the prepare apre-populated virtual insurance claim for the insured's review,modification, or approval; and/or (b) depict or display the virtual orvisual depictions on the virtual headset for the insured's review,modification, or approval.

In another aspect, a computer-implemented method of creating a virtualreconstruction of a home may be provided. The method may include (1)receiving or creating, via an insured virtual headset and/or chat botassociated with an insured, digitalized data of, or associated with, theinsured; (2) receiving or creating, via an insured virtual headsetand/or chat bot associated with an insured, digitalized data of, orassociated with a home, the insured being guided during a homewalk-through to capture digitalized home data; (3) receiving orcreating, via one or more additional sources (e.g., vehicle sensors,home sensors, smart infrastructure), digitalized data of, or associatedwith the home; and/or (4) inputting the digitalized home data receivedor created, via one or more processors, into a trained ML program thatis trained to identify home features and characteristics, personalbelongings, and/or risks of home damage from analysis of the digitalizedhome data. The method may include additional, less, or alternateactions, including those discussed elsewhere herein.

For instance, the method may include creating, via one or moreprocessors, a virtual reconstruction of a home displaying the risks ofhome damage identified by the ML program; and/or displaying orpresenting, via one or more processors and/or the insured virtualheadset, the virtual reconstruction including the risks of home damageon the insured virtual headset for the insured to view. The method mayalso include (i) identifying mitigating or corrective actions, via oneor more processors and/or ML programs, to reduce the risk of homedamage; (ii) creating, via one or more processors and/or the insuredvirtual headset, a virtual reconstruction of the home displaying thecorrective actions; and/or (iii) displaying or presenting, via one ormore processors and/or the insured virtual headset, the virtualreconstruction including the corrective actions on the insured virtualheadset for the insured to view.

The method may also include (i) creating, via one or more processorsand/or the insured virtual headset, one or more home remodeling optionsbased upon the home data collected, the remodeling options includingdescriptions of materials, costs, suppliers, and/or contractors; and/or(ii) displaying, via one or more processors and/or the insured virtualheadset, a virtual depiction of the one or more remodeling options forthe insured's review, modification, and/or approval. The method may alsoinclude accepting, via one or more processors and/or the insured virtualheadset, user selection of (a) materials to be used; (b) contractors tobe used, and/or (c) times or days the work is to be performed for theone or more remodeling options.

Exemplary Aspects

The following, non-exclusive list includes various aspects explicitlycontemplated by the present disclosure:

Aspect 1. A computer-implemented method of distributing assets in avirtual world via a virtual headset, the method comprising: receiving orcreating, via an insured virtual headset and/or chat bot associated withan insured, digitalized data of, or associated with, the insured;adjusting and/or approving, via an insured virtual headset and/or chatbot associated with an insured, a listing of assets and a disposition ofassets belonging to the insured; receiving or creating, via abeneficiary virtual headset and/or chat bot associated with abeneficiary, digitalized data of, or associated with, the beneficiary;creating, via the beneficiary virtual headset and/or chat bot associatedwith the beneficiary, a personalized virtual user experience for thebeneficiary (that is personalized using one or more visual, graphic, oraudible inputs and/or settings selected by beneficiary or predicted forthe beneficiary based upon the digitalized data of, or associated with,the beneficiary); capturing or receiving, via the beneficiary virtualheadset and/or a chat bot associated with the beneficiary, a digitaldeath certificate of the insured captured by the beneficiary; and/orhandling or otherwise processing, via the beneficiary virtual headsetand/or a chat bot associated with the beneficiary, the disposition ofone or more assets identified in the (i) digital or virtual will, or(ii) digital or virtual life insurance policy in a virtual world via thebeneficiary virtual headset and/or chat bot, the virtual worldreflecting the personalized virtual user experience for the beneficiary.

Aspect 2. The computer-implemented method of aspect 1, wherein creating,via the beneficiary virtual headset and/or chat bot associated with thebeneficiary, a personalized virtual user experience for the beneficiaryincludes determining or receiving preference metaverse location forvirtual interactions and experiences of the beneficiary.

Aspect 3. The computer-implemented method of aspect 1, wherein creating,via the beneficiary virtual headset and/or chat bot associated with thebeneficiary, a personalized virtual user experience for the beneficiaryincludes receiving one or more visual or audible selections entered bythe beneficiary via the virtual headset and/or associated chat bot.

Aspect 4. The computer-implemented method of aspect 1, wherein creating,via the beneficiary virtual headset and/or chat bot associated with thebeneficiary, a personalized virtual user experience for the beneficiaryincludes predicting preferred virtual experience settings for thebeneficiary based upon the digitalized data of, or associated with, thebeneficiary, the digitalized data of the beneficiary including socialmedia posts and the settings including visually or audible settings.

Aspect 5. The computer-implemented method of aspect 1, wherein receivingor creating, via an insured virtual headset and/or chat bot associatedwith an insured, digitalized data of, or associated with, the insuredincludes the insured capturing images of an insurance policy or will viathe virtual headset to create a digitalized insurance policy or will.

Aspect 6. A computer-implemented method of creating a virtualreconstruction of an insurance-related event, the method comprising:receiving or creating, via an insured virtual headset and/or chat botassociated with an insured, digitalized data of, or associated with, theinsured; receiving or creating, via an insured virtual headset and/orchat bot associated with an insured, digitalized data of, or associatedwith a damaged vehicle or damaged home; receiving or creating, via oneor more additional sources (e.g., vehicle sensors, home sensors, smartinfrastructure), digitalized data of, or associated with a damagedvehicle or damaged home; virtually reconstructing, via one or moreprocessors and/or the virtual headset, the insurance-related event thatcaused the vehicle damage or home damage, respectively; and/or placingor presenting, via the virtual reconstruction via the virtual headset tofacilitate the insured or agent to view, alter, or approve the virtualreconstruction.

Aspect 7. The computer-implemented method of aspect 6, the methodcomprising: inputting the damaged vehicle or damage home data into amachine learning program that is trained to (i) estimate repair orreplacement costs; (ii) identify repair or replacement materials; (iii)schedule repairs with body shops or home contractors; and/or (iv)prepare a pre-populated virtual insurance aspect for the insured'sreview, modification, or approval.

Aspect 8. The computer-implemented method of aspect 7, the methodcomprising: using the output of the machine learning program to generalvirtual or visual depictions of (i) the estimated repair or replacementcosts; (ii) the identified repair or replacement materials; (iii) thescheduled repairs with body shops or home contractors; and/or (iv) theprepared pre-populated virtual insurance aspect for the insured'sreview, modification, or approval; and depicting or displaying thevirtual or visual depictions on the virtual headset for the insured'sreview, modification, or approval.

Aspect 9. A computer-implemented method of creating a virtualreconstruction of a home, the method comprising: receiving or creating,via an insured virtual headset and/or chat bot associated with aninsured, digitalized data of, or associated with, the insured; receivingor creating, via an insured virtual headset and/or chat bot associatedwith an insured, digitalized data of, or associated with a home, theinsured being guided during a home walk-through to capture digitalizedhome data; receiving or creating, via one or more additional sources(e.g., vehicle sensors, home sensors, smart infrastructure), digitalizeddata of, or associated with the home; and/or inputting the digitalizedhome data received or created, via one or more processors, into atrained machine learning program that is trained to identify homefeatures and characteristics, personal belongings, and/or risks of homedamage from analysis of the digitalized home data.

Aspect 10. The computer-implemented method of aspect 9, the methodfurther comprising: creating, via one or more processors, a virtualreconstruction of a home displaying the risks of home damage identifiedby the machine learning program; and displaying or presenting, via oneor more processors and/or the insured virtual headset, the virtualreconstruction including the risks of home damage on the insured virtualheadset for the insured to view.

Aspect 11. The computer-implemented method of aspect 10, the methodfurther comprising: identifying mitigating or corrective actions, viaone or more processors and/or machine learning programs, to reduce therisk of home damage; creating, via one or more processors and/or theinsured virtual headset, a virtual reconstruction of the home displayingthe corrective actions; and displaying or presenting, via one or moreprocessors and/or the insured virtual headset, the virtualreconstruction including the corrective actions on the insured virtualheadset for the insured to view.

Aspect 12. The computer-implemented method of aspect 9, the methodfurther comprising: creating, via one or more processors and/or theinsured virtual headset, one or more home remodeling options based uponthe home data collected, the remodeling options including descriptionsof materials, costs, suppliers, and/or contractors; and displaying, viaone or more processors and/or the insured virtual headset, a virtualdepiction of the one or more remodeling options for the insured'sreview, modification, and/or approval.

Aspect 13. The computer-implemented method of aspect 12, the methodfurther comprising: accepting, via one or more processors and/or theinsured virtual headset, user selection of materials to be used,contractors to be used, and times or days the work is to be performedfor the one or more remodeling options.

Aspect 14. A computer-implemented method, the method comprising:presenting a first extended reality (XR) environment using a first XRdevice associated with a person; providing, in the first XR environment,one or more user interfaces to the person; and receiving, from theperson via the one or more user interfaces in the first XR environment,one or more preferences of the person.

Aspect 15. The computer-implemented method of aspect 14, wherein atleast one of the one or more preferences includes one or more XRpreferences, and the method further comprises: generating a second XRenvironment in accordance with at least one of the one or more XRpreferences; and presenting the second XR environment using a second XRdevice

Aspect 16. The computer-implemented method of aspect 15, wherein the oneor more XR preferences include a preferred avatar and a preferred scene,and wherein generating the second XR environment includes generating thesecond XR environment to represent the preferred scene and to depict theperson with the preferred avatar.

Aspect 17. The computer-implemented method of aspect 15, wherein the oneor more XR preferences include one or more metaverse preferencesincluding one or more of a preferred metaverse scene, a preferredmetaverse location, a metaverse identifier, or a preferred avatar, andwherein generating the second XR environment includes generating thesecond XR environment to represent a metaverse environment in accordancewith the one or more metaverse preferences.

Aspect 18. The computer-implemented method of aspect 14, wherein atleast one of the one or more preferences represents one or more of avirtual interaction preference, a preferred XR device, a preferred XRdevice type, an XR device identifier, or a willingness to hold virtualmeetings.

Aspect 19. The computer-implemented method of aspect 14, wherein atleast one of the one or more preferences represents one or more ofpersonal data, social media data, an insurance policy number, an insuredasset, financial account information, a will, a trust, a preferred assetdisposition option, or a preferred asset disposition method.

Aspect 20. The computer-implemented method of aspect 14, wherein thesecond XR device is the first XR device.

Aspect 21. The computer-implemented method of aspect 14, wherein thefirst XR environment includes a virtual meeting of avatars of the personand a third person via respective XR devices.

Aspect 22. The computer-implemented method of aspect 14, wherein thefirst XR device includes at least one of (i) an augmented reality (AR),mixed reality (MR), or virtual reality (VR) headset, (ii) AR, MR, or VRsmart glasses, (iii) an audio input device configured to enable theperson to interact with a voice bot, or (iv) a text input deviceconfigured to enable the person to interact with a chatbot.

Aspect 23. A system, comprising: a communication interface; and one ormore processors configured to: present a first extended reality (XR)environment using a first XR device associated with a person; provide,in the first XR environment via the communication interface, one or moreuser interfaces to the person; and receive, from the person via the oneor more user interfaces in the first XR environment via thecommunication interface, one or more preferences of the person.

Aspect 24. The system of aspect 23, wherein at least one of the one ormore preferences includes one or more XR preferences, and the one ormore processors are configured to: generate a second XR environment inaccordance with at least one of the one or more XR preferences; andpresent the second XR environment using a second XR device

Aspect 25. The system of aspect 24, wherein the one or more XRpreferences include a preferred avatar and a preferred scene, andwherein generating the second XR environment includes generating thesecond XR environment to represent the preferred scene and to depict theperson with the preferred avatar.

Aspect 26. The system of aspect 24, wherein the one or more XRpreferences include one or more metaverse preferences including one ormore of a preferred metaverse scene, a preferred metaverse location, ametaverse identifier, or a preferred avatar, and wherein generating thesecond XR environment includes generating the second XR environment torepresent a metaverse environment in accordance with the one or moremetaverse preferences.

Aspect 27. The system of aspect 23, wherein at least one of the one ormore preferences represents one or more of a virtual interactionpreference, a preferred XR device, a preferred XR device type, an XRdevice identifier, or a willingness to hold virtual meetings.

Aspect 28. The system of aspect 23, wherein at least one of the one ormore preferences represents one or more of personal data, social mediadata, an insurance policy number, an insured asset, financial accountinformation, a will, a trust, a preferred asset disposition option, or apreferred asset disposition method.

Aspect 29. The system of aspect 23, wherein the second XR device is thefirst XR device.

Aspect 30. The system of aspect 23, wherein the first XR environmentincludes a virtual meeting of avatars of the person and a third personvia respective XR devices.

Aspect 31. The system of aspect 23, wherein the first XR device includesat least one of (i) an augmented reality (AR), mixed reality (MR), orvirtual reality (VR) headset, (ii) AR, MR, or VR smart glasses, (iii) anaudio input device configured to enable the person to interact with avoice bot, or (iv) a text input device configured to enable the personto interact with a chatbot.

Aspect 32. A non-transitory computer-readable storage medium storinginstructions that, when executed by one or more processors, cause asystem to: present a first extended reality (XR) environment using afirst XR device associated with a person; provide, in the first XRenvironment, one or more user interfaces to the person; and receive,from the person via the one or more user interfaces in the first XRenvironment, one or more preferences of the person.

Aspect 33. The storage medium of aspect 32, wherein at least one of theone or more preferences includes one or more XR preferences, and theinstructions, when executed by the one or more processors, cause thesystem to: generate a second XR environment in accordance with at leastone of the one or more XR preferences; and present the second XRenvironment using a second XR device.

Aspect 34. The storage medium of aspect 33, wherein the one or more XRpreferences include a preferred avatar and a preferred scene, andwherein generating the second XR environment includes generating thesecond XR environment to represent the preferred scene and to depict theperson with the preferred avatar.

Aspect 35. The storage medium of aspect 33, wherein the one or more XRpreferences include one or more metaverse preferences including one ormore of a preferred metaverse scene, a preferred metaverse location, ametaverse identifier, or a preferred avatar, and wherein generating thesecond XR environment includes generating the second XR environment torepresent a metaverse environment in accordance with the one or moremetaverse preferences.

Aspect 36. The storage medium of aspect 32, wherein at least one of theone or more preferences represents one or more of a virtual interactionpreference, a preferred XR device, a preferred XR device type, an XRdevice identifier, or a willingness to hold virtual meetings.

Aspect 37. The storage medium of aspect 32, wherein at least one of theone or more preferences represents one or more of personal data, socialmedia data, an insurance policy number, an insured asset, financialaccount information, a will, a trust, a preferred asset dispositionoption, or a preferred asset disposition method.

Aspect 38. The storage medium of aspect 32, wherein the second XR deviceis the first XR device.

Aspect 39. The storage medium of aspect 32, wherein the first XRenvironment includes a virtual meeting of avatars of the person and athird person via respective XR devices.

Aspect 40. The storage medium of aspect 32, wherein the first XR deviceincludes at least one of (i) an augmented reality (AR), mixed reality(MR), or virtual reality (VR) headset, (ii) AR, MR, or VR smart glasses,(iii) an audio input device configured to enable the person to interactwith a voice bot, or (iv) a text input device configured to enable theperson to interact with a chatbot.

Aspect 41. A computer-implemented method, the method comprising:obtaining one or more extended reality (XR) preferences for a person;generating, using one or more processors, an XR environment inaccordance with at least one of the one or more XR preferences;providing, in the XR environment using an XR device associated with theperson, one or more user interfaces; receiving, from the person via theone or more user interfaces in the XR environment, asset data;generating, using one or more processors, estate data for the personthat includes the asset data; and presenting, in the XR environmentusing the XR device, one or more visual depictions of the estate datasuch that the person can at least one of view, modify, or approve theestate data.

Aspect 42. The computer-implemented method of aspect 41, wherein the oneor more user interfaces includes a first input element usable by theperson to provide a document, and the method further comprises:processing, using one or more processors, the document to obtain theasset data.

Aspect 43. The computer-implemented method of aspect 42, whereinprocessing the document includes processing, using one or moreprocessors, the document with one or more of optical characterrecognition, text recognition, or natural language processing.

Aspect 44. The computer-implemented method of aspect 41, wherein theestate data includes a plurality of asset records for respective ones ofa plurality of assets associated with the person, wherein one or more ofthe assets are dispensable upon death of the person.

Aspect 45. The computer-implemented method of aspect 44, wherein anasset data record for an asset includes data representing one or more of(i) the person, (ii) a third-person associated with the asset, (iii)account information for the asset, (iv) policy information for theasset, (iv) one or more contractual terms for the asset, (v) a value ofthe asset, (vi) one or more beneficiaries, (vii) one or more legalexecutors, (viii) a description of the asset, (ix) an asset type, (x)one or more disposition options, or (xi) one or more dispositions of theasset.

Aspect 46. The computer-implemented method of aspect 44, wherein anasset includes one of (i) an insurance policy, (ii) a bank account,(iii) an investment account, (iv) a savings account, (v) a checkingaccount, (vi) a belonging, (vii) a business or stake in a business,(viii) an investment, (ix) a retirement savings account, (x) an annuity,or (xi) a property.

Aspect 47. The computer-implemented method of aspect 41, furthercomprising: causing the estate data to be stored on a distributedledger.

Aspect 48. The computer-implemented method of aspect 41, whereinobtaining the one or more XR preferences includes obtaining the one ormore XR preferences from the person using one or more XR devices.

Aspect 49. The computer-implemented method of aspect 41, wherein the XRpreferences represent one or more of profile data for the person,virtual interaction preferences, metaverse preferences, or avatarpreferences.

Aspect 50. The computer-implemented method of aspect 41, furthercomprising: providing, in another XR environment using another XR deviceassociated with another person, one or more visual depictions of theestate data such that the other person can at least one of view, modify,or approve the estate data.

Aspect 51. The computer-implemented method of aspect 41, whereinpresenting the one or more visual depictions of the estate data in theXR environment includes providing a virtual meeting of avatars of theperson and another person via respective XR devices.

Aspect 52. The computer-implemented method of aspect 41, wherein the XRdevice includes at least one of (i) an augmented reality (AR), mixedreality (MR), or virtual reality (VR) headset, or (ii) AR, MR, or VRsmart glasses.

Aspect 53. A system, comprising: a communication interface; and one ormore processors configured to: obtain one or more extended reality (XR)preferences for a person; generate, using one or more processors, an XRenvironment in accordance with at least one of the one or more XRpreferences; provide, in the XR environment using an XR deviceassociated with the person via the communication interface, one or moreuser interfaces; receive, from the person via the one or more userinterfaces in the XR environment and communication interface, assetdata; generate, using one or more processors, estate data for the personthat includes the asset data; and present, in the XR environment usingthe XR device via the communication interface, one or more visualdepictions of the estate data such that the person can at least one ofview, modify, or approve the estate data.

Aspect 54. The system of aspect 53, wherein the one or more userinterfaces includes a first input element usable by the person toprovide a document, and the one or more processors are configured to:process, using one or more processors, the document to obtain the assetdata.

Aspect 55. The system of aspect 54, wherein processing the documentincludes processing, using one or more processors, the document with oneor more of optical character recognition, text recognition, or naturallanguage processing.

Aspect 56. The system of aspect 53, wherein the estate data includes aplurality of asset records for respective ones of a plurality of assetsassociated with the person, wherein one or more of the assets aredispensable upon death of the person.

Aspect 57. The system of aspect 56, wherein an asset data record for anasset includes data representing one or more of (i) the person, (ii) athird-person associated with the asset, (iii) account information forthe asset, (iv) policy information for the asset, (iv) one or morecontractual terms for the asset, (v) a value of the asset, (vi) one ormore beneficiaries, (vii) one or more legal executors, (viii) adescription of the asset, (ix) an asset type, (x) one or moredisposition options, or (xi) one or more dispositions of the asset.

Aspect 58. The system of aspect 56, wherein an asset includes one of (i)an insurance policy, (ii) a bank account, (iii) an investment account,(iv) a savings account, (v) a checking account, (vi) a belonging, (vii)a business or stake in a business, (viii) an investment, (ix) aretirement savings account, (x) an annuity, or (xi) a property.

Aspect 59. The system of aspect 53, wherein the one or more processorsare configured to: causing the estate data to be stored on a distributedledger.

Aspect 60. The system of aspect 53, wherein obtaining the one or more XRpreferences includes obtaining the one or more XR preferences from theperson using one or more XR devices.

Aspect 61. The system of aspect 53, wherein the XR preferences representone or more of profile data for the person, virtual interactionpreferences, metaverse preferences, or avatar preferences.

Aspect 62. The system of aspect 53, wherein the one or more processorsare configured to: provide, in another XR environment using another XRdevice associated with another person, one or more visual depictions ofthe estate data such that the other person can at least one of view,modify, or approve the estate data.

Aspect 63. The system of aspect 53, wherein presenting the one or morevisual depictions of the estate data in the XR environment includesproviding a virtual meeting of avatars of the person and another personvia respective XR devices.

Aspect 64. The system of aspect 53, wherein the XR device includes atleast one of (i) an augmented reality (AR), mixed reality (MR), orvirtual reality (VR) headset, or (ii) AR, MR, or VR smart glasses.

Aspect 65. A non-transitory computer-readable storage medium storinginstructions that, when executed by one or more processors, cause asystem to: obtain one or more extended reality (XR) preferences for aperson; generate, using one or more processors, an XR environment inaccordance with at least one of the one or more XR preferences; provide,in the XR environment using an XR device associated with the person, oneor more user interfaces; receive, from the person via the one or moreuser interfaces in the XR environment, asset data; generate, using oneor more processors, estate data for the person that includes the assetdata; and present, in the XR environment using the XR device, one ormore visual depictions of the estate data such that the person can atleast one of view, modify, or approve the estate data.

Aspect 66. The storage medium of aspect 65, wherein the one or more userinterfaces includes a first input element usable by the person toprovide a document, and the instructions, when executed by one or moreprocessors, causes the system to: process, using one or more processors,the document to obtain the asset data.

Aspect 67. The storage medium of aspect 66, wherein processing thedocument includes processing, using one or more processors, the documentwith one or more of optical character recognition, text recognition, ornatural language processing.

Aspect 68. The storage medium of aspect 65, wherein the estate dataincludes a plurality of asset records for respective ones of a pluralityof assets associated with the person, wherein one or more of the assetsare dispensable upon death of the person.

Aspect 69. The storage medium of aspect 68, wherein an asset data recordfor an asset includes data representing one or more of (i) the person,(ii) a third-person associated with the asset, (iii) account informationfor the asset, (iv) policy information for the asset, (iv) one or morecontractual terms for the asset, (v) a value of the asset, (vi) one ormore beneficiaries, (vii) one or more legal executors, (viii) adescription of the asset, (ix) an asset type, (x) one or moredisposition options, or (xi) one or more dispositions of the asset.

Aspect 70. The storage medium of aspect 69, wherein an asset includesone of (i) an insurance policy, (ii) a bank account, (iii) an investmentaccount, (iv) a savings account, (v) a checking account, (vi) abelonging, (vii) a business or stake in a business, (viii) aninvestment, (ix) a retirement savings account, (x) an annuity, or (xi) aproperty.

Aspect 71. The storage medium of aspect 65, wherein the one or moreprocessors are configured to: cause the estate data to be stored on adistributed ledger.

Aspect 72. The storage medium of aspect 65, wherein obtaining the one ormore XR preferences includes obtaining the one or more XR preferencesfrom the person using one or more XR devices.

Aspect 73. The storage medium of aspect 65, wherein the XR preferencesrepresent one or more of profile data for the person, virtualinteraction preferences, metaverse preferences, or avatar preferences.

Aspect 74. The storage medium of aspect 65, wherein the instructions,when executed by one or more processors, causes the system to: provide,in another XR environment using another XR device associated withanother person, one or more visual depictions of the estate data suchthat the other person can at least one of view, modify, or approve theestate data.

Aspect 75. The storage medium of aspect 65, wherein presenting the oneor more visual depictions of the estate data in the XR environmentincludes providing a virtual meeting of avatars of the person andanother person via respective XR devices.

Aspect 76. The storage medium of aspect 65, wherein the XR deviceincludes at least one of (i) an augmented reality (AR), mixed reality(MR), or virtual reality (VR) headset, or (ii) AR, MR, or VR smartglasses.

Aspect 77. A computer-implemented method, the method comprising:obtaining one or more extended reality (XR) preferences for a person;generating, using one or more processors, an XR environment inaccordance with the one or more XR preferences; identifying, using oneor more processors, one or more estate assets associated with a deceasedperson for which the person is a legal executor or beneficiary;determining, using or more processors, one or more possible dispositionsfor the one or more assets; and providing, in the XR environment usingan XR device associated with the person, one or more user interfacesthat include displaying the one or more possible disposition optionssuch that the person can view, modify, select, or approve dispositionoptions.

Aspect 78. The computer-implemented method of aspect 7719, furthercomprising: causing selected disposition options to be executed.

Aspect 79. The computer-implemented method of aspect 77, furthercomprising: obtaining, from the person via a second XR environment, adeath certificate for the deceased person to which the one or moreassets belonged; and validating that the one or more assets can bedisposed based upon the death certificate.

Aspect 80. The computer-implemented method of aspect 77, wherein theestate data includes a plurality of asset records for respective ones ofa plurality of assets associated with the second person, wherein one ormore of the assets are dispensable upon death of the second person.

Aspect 81. The computer-implemented method of aspect 80, wherein anasset data record for an asset includes data representing one or more of(i) the second person, (ii) a third-person associated with the asset,(iii) account information for the asset, (iv) policy information for theasset, (iv) one or more contractual terms for the asset, (v) a value ofthe asset, (vi) one or more beneficiaries, (vii) one or more legalexecutors, (viii) a description of the asset, (ix) an asset type, (x)one or more disposition options, or (xi) one or more dispositions of theasset.

Aspect 82. The computer-implemented method of aspect 80, wherein anasset includes one of (i) an insurance policy, (ii) a bank account,(iii) an investment account, (iv) a savings account, (v) a checkingaccount, (vi) a belonging, (vii) a business or stake in a business,(viii) an investment, (ix) a retirement savings account, (x) an annuity,or (xi) a property.

Aspect 83. The computer-implemented method of aspect 77, furthercomprising: updating the estate data to include disposition records forselected disposition options; and causing the updated estate data to bestored on a distributed ledger.

Aspect 84. The computer-implemented method of aspect 77, whereinobtaining the one or more XR preferences includes obtaining the one ormore XR preferences from the person using one or more XR devices.

Aspect 85. The computer-implemented method of aspect 77, wherein the oneor more XR preferences represent one or more of profile data for thefirst person, virtual interaction preferences, metaverse preferences, oravatar preferences.

Aspect 86. The computer-implemented method of aspect 77, furthercomprising: providing, in another XR environment using another XR deviceassociated with another person, one or more visual depictions of theestate data such that the other person can approve selecteddispositions.

Aspect 87. The computer-implemented method of aspect 77, whereinproviding the one or more visual depictions of the one or more possibledisposition options in the XR environment includes providing a virtualmeeting of avatars of the person and another person via respective XRdevices.

Aspect 88. The computer-implemented method of aspect 77, wherein the XRdevice includes at least one of (i) an augmented reality (AR), mixedreality (MR), or virtual reality (VR) headset, or (ii) AR, MR, or VRsmart glasses.

Aspect 89. A system, comprising: a communication interface; and one ormore processors configured to: obtain one or more extended reality (XR)preferences for a person; generate, using one or more processors, an XRenvironment in accordance with the one or more XR preferences; identify,using one or more processors, one or more estate assets associated witha deceased person for which the person is a legal executor orbeneficiary; determine, using or more processors, one or more possibledispositions for the one or more assets; and provide, in the XRenvironment using an XR device associated with the person via thecommunication interface, one or more user interfaces that includedisplaying the one or more possible disposition options such that theperson can view, modify, select, or approve disposition options.

Aspect 90. The system of aspect 89, wherein the one or more processorsare configured to: cause selected disposition options to be executed.

Aspect 91. The system of aspect 89, the one or more processors areconfigured to: obtain, from the person via a second XR environment, adeath certificate for the deceased person to which the one or moreassets belonged; and validate that the one or more assets can bedisposed based upon the death certificate.

Aspect 92. The system of aspect 89, wherein the estate data includes aplurality of asset records for respective ones of a plurality of assetsassociated with the second person, wherein one or more of the assets aredispensable upon death of the second person.

Aspect 93. The system of aspect 92, wherein an asset data record for anasset includes data representing one or more of (i) the second person,(ii) a third-person associated with the asset, (iii) account informationfor the asset, (iv) policy information for the asset, (iv) one or morecontractual terms for the asset, (v) a value of the asset, (vi) one ormore beneficiaries, (vii) one or more legal executors, (viii) adescription of the asset, (ix) an asset type, (x) one or moredisposition options, or (xi) one or more dispositions of the asset.

Aspect 94. The system of aspect 92, wherein an asset includes one of (i)an insurance policy, (ii) a bank account, (iii) an investment account,(iv) a savings account, (v) a checking account, (vi) a belonging, (vii)a business or stake in a business, (viii) an investment, (ix) aretirement savings account, (x) an annuity, or (xi) a property.

Aspect 95. The system of aspect 89, the one or more processors areconfigured to: update the estate data to include disposition records forselected disposition options; and cause the updated estate data to bestored on a distributed ledger.

Aspect 96. The system of aspect 89, wherein obtaining the one or more XRpreferences includes obtaining the one or more XR preferences from theperson using one or more XR devices.

Aspect 97. The system of aspect 89, wherein the one or more XRpreferences represent one or more of profile data for the first person,virtual interaction preferences, metaverse preferences, or avatarpreferences.

Aspect 98. The system of aspect 89, the one or more processors areconfigured to: provide, in another XR environment using another XRdevice associated with another person, one or more visual depictions ofthe estate data such that the other person can approve selecteddispositions.

Aspect 99. The system of aspect 89, wherein providing the one or morevisual depictions of the one or more possible disposition options in theXR environment includes providing a virtual meeting of avatars of theperson and another person via respective XR devices.

Aspect 100. The system of aspect 89, wherein the XR device includes atleast one of (i) an augmented reality (AR), mixed reality (MR), orvirtual reality (VR) headset, or (ii) AR, MR, or VR smart glasses.

Aspect 101. A non-transitory computer-readable storage medium storinginstructions that, when executed by one or more processors, cause asystem to: obtain one or more extended reality (XR) preferences for aperson; generate, using one or more processors, an XR environment inaccordance with the one or more XR preferences; identify, using one ormore processors, one or more estate assets associated with a deceasedperson for which the person is a legal executor or beneficiary;determine, using or more processors, one or more possible dispositionsfor the one or more assets; and provide, in the XR environment using anXR device associated with the person via the communication interface,one or more user interfaces that include displaying the one or morepossible disposition options such that the person can view, modify,select, or approve disposition options.

Aspect 102. The storage medium of aspect 101, wherein the instructions,when executed by one or more processors, cause the system to: causeselected disposition options to be executed.

Aspect 103. The storage medium of aspect 101, wherein the instructions,when executed by one or more processors, cause the system to: obtain,from the person via a second XR environment, a death certificate for thedeceased person to which the one or more assets belonged; and validatethat the one or more assets can be disposed based upon the deathcertificate.

Aspect 104. The storage medium of aspect 101, wherein the estate dataincludes a plurality of asset records for respective ones of a pluralityof assets associated with the second person, wherein one or more of theassets are dispensable upon death of the second person.

Aspect 105. The storage medium of aspect 104, wherein an asset datarecord for an asset includes data representing one or more of (i) thesecond person, (ii) a third-person associated with the asset, (iii)account information for the asset, (iv) policy information for theasset, (iv) one or more contractual terms for the asset, (v) a value ofthe asset, (vi) one or more beneficiaries, (vii) one or more legalexecutors, (viii) a description of the asset, (ix) an asset type, (x)one or more disposition options, or (xi) one or more dispositions of theasset.

Aspect 106. The storage medium of aspect 104, wherein an asset includesone of (i) an insurance policy, (ii) a bank account, (iii) an investmentaccount, (iv) a savings account, (v) a checking account, (vi) abelonging, (vii) a business or stake in a business, (viii) aninvestment, (ix) a retirement savings account, (x) an annuity, or (xi) aproperty.

Aspect 107. The storage medium of aspect 101, wherein the instructions,when executed by one or more processors, cause the system to: update theestate data to include disposition records for selected dispositionoptions; and cause the updated estate data to be stored on a distributedledger.

Aspect 108. The storage medium of aspect 101, wherein obtaining the oneor more XR preferences includes obtaining the one or more XR preferencesfrom the person using one or more XR devices.

Aspect 109. The storage medium of aspect 101, wherein the one or more XRpreferences represent one or more of profile data for the first person,virtual interaction preferences, metaverse preferences, or avatarpreferences.

Aspect 110. The storage medium of aspect 101, wherein the instructions,when executed by one or more processors, cause the system to: provide,in another XR environment using another XR device associated withanother person, one or more visual depictions of the estate data suchthat the other person can approve selected dispositions.

Aspect 111. The storage medium of aspect 101, wherein providing the oneor more visual depictions of the one or more possible dispositionoptions in the XR environment includes providing a virtual meeting ofavatars of the person and another person via respective XR devices.

Aspect 112. The storage medium of aspect 101, wherein the XR deviceincludes at least one of (i) an augmented reality (AR), mixed reality(MR), or virtual reality (VR) headset, or (ii) AR, MR, or VR smartglasses.

Additional Considerations

The above description refers to block diagrams of the accompanyingdrawings. Alternative implementations of the examples represented by theblock diagrams include one or more additional or alternative elements,processes, and/or devices. Additionally or alternatively, one or more ofthe example blocks of the diagrams may be combined, divided,re-arranged, or omitted. Components represented by the blocks of thediagrams may be implemented by hardware, software, firmware, and/or anycombination of hardware, software, and/or firmware. In some embodiments,at least one of the components represented by the blocks may beimplemented by a logic circuit. As used herein, the term “logic circuit”is expressly defined as a physical device including at least onehardware component configured (e.g., via operation in accordance with apredetermined configuration and/or via execution of storedmachine-readable instructions) to control one or more machines and/orperform operations of one or more machines.

Examples of a logic circuit include one or more processors, one or morecoprocessors, one or more microprocessors, one or more controllers, oneor more digital signal processors (DSPs), one or more applicationspecific integrated circuits (ASICs), one or more field programmablegate arrays (FPGAs), one or more microcontroller units (MCUs), one ormore hardware accelerators, one or more special-purpose computer chips,and one or more system-on-a-chip (SoC) devices. Some example logiccircuits, such as ASICs or FPGAs, are specifically configured hardwarefor performing operations (e.g., one or more of the operations describedherein and represented by the flowcharts of this disclosure, if such arepresent).

Some exemplary logic circuits are hardware that executesmachine-readable instructions to perform operations (e.g., one or moreof the operations described herein and represented by the flowcharts ofthis disclosure, if such are present). Some exemplary logic circuitsinclude a combination of specifically configured hardware and hardwarethat executes machine-readable instructions.

The above description refers to various operations described herein andflowcharts that may be appended hereto to illustrate the flow of thoseoperations. Any such flowcharts are representative of example methodsdisclosed herein. In some embodiments, the methods represented by theflowcharts may implement the apparatuses represented by the blockdiagrams. Alternative implementations of example methods disclosedherein may include additional or alternative operations.

Further, operations of alternative implementations of the methodsdisclosed herein may combined, divided, re-arranged, or omitted. In someembodiments, the operations described herein may be implemented bymachine-readable instructions (e.g., software and/or firmware) stored ona medium (e.g., a tangible machine-readable medium) for execution by oneor more logic circuits (e.g., processor(s)). In some embodiments, theoperations described herein may be implemented by one or moreconfigurations of one or more specifically designed logic circuits(e.g., ASIC(s)). In some embodiments, the operations described hereinmay be implemented by a combination of specifically designed logiccircuit(s) and machine-readable instructions stored on a medium (e.g., atangible machine-readable medium) for execution by logic circuit(s).

Unless expressly stated to the contrary, “or” refers to an inclusive orand not to an exclusive or. For example, “A, B, or C” refers to anycombination or subset of A, B, C such as (1) A alone, (2) B alone, (3) Calone, (4) A with B, (5) A with C, (6) B with C, and (7) A with B andwith C. As used herein, the phrase “at least one of A and B” is intendedto refer to any combination or subset of A and B such as (1) at leastone A, (2) at least one B, and (3) at least one A and at least one B.Similarly, the phrase “at least one of A or B” is intended to refer toany combination or subset of A and B such as (1) at least one A, (2) atleast one B, and (3) at least one A and at least one B.

As will be appreciated based upon the foregoing specification, theabove-described embodiments of the disclosure may be implemented usingcomputer programming or engineering techniques including computersoftware, firmware, hardware or any combination or subset thereof. Anysuch resulting program, having computer-readable code means, may beembodied or provided within one or more computer-readable media and/orvirtual headsets, thereby making a computer program product, i.e., anarticle of manufacture, according to the discussed embodiments of thedisclosure. The computer-readable media may be, for example, but is notlimited to, a virtual headset or portion thereof, fixed (hard) drive,diskette, optical disk, magnetic tape, semiconductor memory such asread-only memory (ROM), and/or any transmitting/receiving medium such asthe Internet or other communication network or link. The article ofmanufacture containing the computer code may be made and/or used byexecuting the code directly from one medium, by copying the code fromone medium to another medium, or by transmitting the code over anetwork.

These computer programs (also known as programs, software, softwareapplications, “apps”, or code) include machine instructions for aprogrammable processor or virtual headset, and can be implemented in ahigh-level procedural and/or object-oriented programming language,and/or in assembly/machine language. As used herein, the terms“machine-readable medium” “computer-readable medium” refers to anycomputer program product, apparatus and/or device (e.g., magnetic discs,optical disks, memory, Programmable Logic Devices (PLDs)) used to storeand provide machine instructions and/or data to a programmableprocessor, including a machine-readable medium that receives machineinstructions as a machine-readable signal. The “machine-readable medium”and “computer-readable medium,” however, do not include transitory orpropagating signals. The term “machine-readable signal” refers to anysignal used to provide machine instructions and/or data to aprogrammable processor.

As used herein, a processor may include any programmable systemincluding systems using virtual headsets and/or micro-controllers,reduced instruction set circuits (RISC), application specific integratedcircuits (ASICs), logic circuits, and any other circuit or processorcapable of executing the functions described herein. The above examplesare example only, and are thus not intended to limit in any way thedefinition and/or meaning of the term “processor.”

As used herein, the terms “software” and “firmware” are interchangeable,and include any computer program stored in memory for execution by aprocessor, including RAM memory, ROM memory, EPROM memory, EEPROMmemory, and non-volatile RAM (NVRAM) memory for any suitable duration oftime (e.g., permanently, for an extended period of time (e.g., while aprogram associated with the machine-readable instructions is executing),and/or a short period of time (e.g., while the machine-readableinstructions are cached and/or during a buffering process)). The abovememory types are examples only, and are thus not limiting as to thetypes of memory usable for storage of a computer program.

In one embodiment, a computer program is provided, and the program isembodied on a computer readable medium and/or virtual headset. In someembodiments, the system is executed on a single computer system orvirtual headset, without requiring a connection to a server computer. Ina further embodiment, the system is being run at least in part in aWindows® environment (Windows is a registered trademark of MicrosoftCorporation, Redmond, Wash.). In yet another embodiment, the system isrun at least in part on a mainframe environment and a UNIX® serverenvironment (UNIX is a registered trademark of X/Open Company Limitedlocated in Reading, Berkshire, United Kingdom). The application isflexible and designed to run in various different environments withoutcompromising any major functionality.

In some embodiments, the system includes multiple components distributedamong a plurality of computing devices, such as virtual headsets inwireless communication with one or more local or more processors orservers over one or more radio frequency links. One or more componentsmay be in the form of computer-executable instructions embodied in acomputer-readable medium. The systems and processes are not limited tothe specific embodiments described herein. In addition, components ofeach system and each process can be practiced independent and separatefrom other components and processes described herein. Each component andprocess can also be used in combination with other assembly packages andprocesses.

As used herein, an element or step recited in the singular and precededby the word “a” or “an” should be understood as not excluding pluralelements or steps, unless such exclusion is explicitly recited.Furthermore, references to “exemplary embodiment,” “one embodiment,” or“some embodiments” of the present disclosure are not intended to beinterpreted as excluding the existence of additional embodiments thatalso incorporate the recited features.

The patent claims at the end of this document are not intended to beconstrued under 35 U.S.C. § 113(f) unless traditionalmeans-plus-function language is expressly recited, such as “means for”or “step for” language being expressly recited in the claim(s).

This written description uses examples to disclose the disclosure,including the best mode, and also to enable any person skilled in theart to practice the disclosure, including making and using any devicesor systems and performing any incorporated methods. The patentable scopeof the disclosure is defined by the claims, and may include otherexamples that occur to those skilled in the art. Such other examples areintended to be within the scope of the claims if they have structuralelements that do not differ from the literal language of the claims, orif they include equivalent structural elements with insubstantialdifferences from the literal languages of the claims.

The Abstract of the Disclosure is provided to allow the reader toquickly ascertain the nature of the technical disclosure. It issubmitted with the understanding that it will not be used to interpretor limit the scope or meaning of the claims. In addition, in theforegoing Detailed Description, it can be seen that various features aregrouped together in various embodiments for the purpose of streamliningthe disclosure. This method of disclosure is not to be interpreted asreflecting an intention that the claimed embodiments require morefeatures than are expressly recited in each claim. Rather, as thefollowing claims reflect, inventive subject matter may lie in less thanall features of a single disclosed embodiment. Thus, the followingclaims are hereby incorporated into the Detailed Description, with eachclaim standing on its own as a separately claimed subject matter.

While the preferred embodiments have been described, it should beunderstood that the invention is not so limited and modifications may bemade without departing from the invention. The scope of the invention isdefined by the appended claims, and all devices that come within themeaning of the claims, either literally or by equivalence, are intendedto be embraced therein.

It is therefore intended that the foregoing detailed description beregarded as illustrative rather than limiting, and that it be understoodthat it is the following claims, including all equivalents, that areintended to define the spirit and scope of this invention.

What is claimed is:
 1. A computer-implemented method comprising:obtaining one or more extended reality (XR) preferences for a person;generating, using one or more processors, an XR environment inaccordance with at least one of the one or more XR preferences;providing, in the XR environment using an XR device associated with theperson, one or more user interfaces; receiving, from the person via theone or more user interfaces in the XR environment, asset data;generating, using one or more processors, estate data for the personthat includes the asset data; and presenting, in the XR environmentusing the XR device, one or more visual depictions of the estate datasuch that the person can at least one of view, modify, or approve theestate data.
 2. The computer-implemented method of claim 1, wherein theone or more user interfaces includes a first input element usable by theperson to provide a document, and the method further comprises:processing, using one or more processors, the document to obtain theasset data.
 3. The computer-implemented method of claim 2, whereinprocessing the document includes processing, using one or moreprocessors, the document with one or more of optical characterrecognition, text recognition, or natural language processing.
 4. Thecomputer-implemented method of claim 1, wherein the estate data includesa plurality of asset records for respective ones of a plurality ofassets associated with the person, wherein one or more of the assets aredispensable upon death of the person.
 5. The computer-implemented methodof claim 4, wherein an asset data record for an asset includes datarepresenting one or more of (i) the person, (ii) a third-personassociated with the asset, (iii) account information for the asset, (iv)policy information for the asset, (iv) one or more contractual terms forthe asset, (v) a value of the asset, (vi) one or more beneficiaries,(vii) one or more legal executors, (viii) a description of the asset,(ix) an asset type, (x) one or more disposition options, or (xi) one ormore dispositions of the asset.
 6. The computer-implemented method ofclaim 11, further comprising: causing the estate data to be stored on adistributed ledger.
 7. The computer-implemented method of claim 1,wherein obtaining the one or more XR preferences includes obtaining theone or more XR preferences from the person using one or more XR devices.8. The computer-implemented method of claim 1, further comprising:providing, in another XR environment using another XR device associatedwith another person, one or more visual depictions of the estate datasuch that the other person can at least one of view, modify, or approvethe estate data.
 9. The computer-implemented method of claim 1, whereinpresenting the one or more visual depictions of the estate data in theXR environment includes providing a virtual meeting of avatars of theperson and another person via respective XR devices.
 10. Thecomputer-implemented method of claim 1, wherein the XR device includesat least one of (i) an augmented reality (AR), mixed reality (MR), orvirtual reality (VR) headset, or (ii) AR, MR, or VR smart glasses.
 11. Asystem, comprising: a communication interface; and one or moreprocessors configured to: obtain one or more extended reality (XR)preferences for a person; generate, using one or more processors, an XRenvironment in accordance with at least one of the one or more XRpreferences; provide, in the XR environment using an XR deviceassociated with the person via the communication interface, one or moreuser interfaces; receive, from the person via the one or more userinterfaces in the XR environment and communication interface, assetdata; generate, using one or more processors, estate data for the personthat includes the asset data; and present, in the XR environment usingthe XR device via the communication interface, one or more visualdepictions of the estate data such that the person can at least one ofview, modify, or approve the estate data.
 12. The system of claim 11,wherein the one or more user interfaces includes a first input elementusable by the person to provide a document, and the one or moreprocessors are configured to: process, using one or more processors, thedocument to obtain the asset data.
 13. The system of claim 12, whereinprocessing the document includes processing, using one or moreprocessors, the document with one or more of optical characterrecognition, text recognition, or natural language processing.
 14. Thesystem of claim 11 wherein the estate data includes a plurality of assetrecords for respective ones of a plurality of assets associated with theperson, wherein one or more of the assets are dispensable upon death ofthe person.
 15. The system of claim 11, wherein the one or moreprocessors are configured to: causing the estate data to be stored on adistributed ledger.
 16. The system of claim 11, wherein obtaining theone or more XR preferences includes obtaining the one or more XRpreferences from the person using one or more XR devices.
 17. The systemof claim 11, wherein the one or more processors are configured to:provide, in another XR environment using another XR device associatedwith another person, one or more visual depictions of the estate datasuch that the other person can at least one of view, modify, or approvethe estate data.
 18. The system of claim 11, wherein presenting the oneor more visual depictions of the estate data in the XR environmentincludes providing a virtual meeting of avatars of the person andanother person via respective XR devices.
 19. A non-transitorycomputer-readable storage medium storing instructions that, whenexecuted by one or more processors, cause a system to: obtain one ormore extended reality (XR) preferences for a person; generate, using oneor more processors, an XR environment in accordance with at least one ofthe one or more XR preferences; provide, in the XR environment using anXR device associated with the person, one or more user interfaces;receive, from the person via the one or more user interfaces in the XRenvironment, asset data; generate, using one or more processors, estatedata for the person that includes the asset data; and present, in the XRenvironment using the XR device, one or more visual depictions of theestate data such that the person can at least one of view, modify, orapprove the estate data.
 20. The storage medium of claim 19, wherein theone or more user interfaces includes a first input element usable by theperson to provide a document, and the instructions, when executed by oneor more processors, causes the system to: process, using one or moreprocessors, the document to obtain the asset data.